COMPARISON CHART MEDICARE SUPPLEMENT INSURANCE. and. MEDICARE CONTRACTING HMOs. Available in Hunterdon County

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "COMPARISON CHART MEDICARE SUPPLEMENT INSURANCE. and. MEDICARE CONTRACTING HMOs. Available in Hunterdon County"

Transcription

1 COMPARISON CHART of MEDICARE SUPPLEMENT INSURANCE and MEDICARE CONTRACTING HMOs Available in Hunterdon County Prepared by the The Hunterdon County Division of Senior Services PO Box 2900, 4 Gauntt Place Flemington, NJ

2 INTRODUCTION As Medicare does not cover all medical expenses, some people choose to purchase Medicare Supplement (Medigap) Insurance, or to join a Medicare Advantage Health Maintenance Organization (HMO). This booklet has been prepared to help you compare the Medicare Supplement Insurance Policies and HMOs approved by the New Jersey Department of Insurance for sale in Hunterdon County, New Jersey. This booklet is not an endorsement of the listed policies or HMOs, nor a substitute for the literature offered by the insurance companies and HMOs describing their products in detail. Purchase only after careful consideration of all the facts. Hunterdon County Division of Senior Service, Senior Health Insurance Program counselors can assist you in using this chart. For an appointment, call TABLE OF CONTENTS MEDICARE COVERAGE... DEFINITIONS OF TERMS... MEDIGAP POLICY BENEFITS... STANDARD MEDICARE SUPPLEMENT INSURANCE PLANS... MEDICARE ADVANTAGE HMOs IN HUNTERDON COUNTY... MEDICARE ADVANTAGE PLANS... INSURANCE PLANS FOR DISABLED ON MEDICARE AGES /2014

3 MEDICARE PART A: MEDICARE COVERAGE HOSPITAL CARE... (Semiprivate room, board, general nursing, miscellaneous services, supplies) 1-60 Days... All but $ Deductible Days... All but $315 per Day Days... All but $630 per Day (once in a lifetime) 151+ Days... No Coverage SKILLED NURSING FACILITY CARE 1-20 Days... All (100%) (Must be Medicare approved skilled) Days... All but $ per day nursing facility. Patient must require 100+ Days... No Coverage specialized approved care and must enter facility within 30 days after hospital confinement of at least 3 days.) HOME HEALTH CARE... (Medically necessary equipment, supplies; part-time or intermittent skilled or health aide services) HOSPICE CARE... (Full scope of palliative medical drugs, inpatient respite care and support services for the terminally ill) BLOOD... Services % of Approved Amount Equipment... 80% of Approved Amount All but limited costs for outpatient care. All but first 3 pints per calendar year Coverage shown is for each Benefit Period. A Benefit Period begins the first day of confinement and ends when patient has gone 60 consecutive days without confinement in a hospital or without receiving skilled care in a skilled nursing facility. MEDICARE PART B: MEDICAL EXPENSE... (Medically necessary physicians services, outpatient hospital treatment, supplies, therapy, diagnostic tests, equipment, etc.) LABORATORY SERVICES... (Blood tests, biopsies, urinalysis, etc.) BLOOD... 80% of Approved Amount (after $100 Annual Deductible) 100% of Approved Amount First 3 Pints 100%; Then 80% of Approved Amount... (After $100 Annual Deductible) 2014

4 DEFINITIONS OF TERMS APPROVED AMOUNT: The amount Medicare determines to be reasonable for a covered service. It may be less than the actual charge. BENEFIT PERIOD: Medicare Part A coverage is per Benefit Period, which begins the first day of confinement and ends when patient has gone 60 consecutive days without confinement in a hospital or without receiving skilled care in a skilled nursing facility. CO-INSURANCE: Percentage of Medicare Approved Amount not paid by Medicare, after Deductible has been met. DEDUCTIBLE: Initial portion of Medicare Approved Amounts not paid by Medicare, but after which Medicare will pay. For Medicare Part A, there is a Deductible for each Benefit Period. For Medicare Part B, there is a Deductible for each calendar year MEDICALLY UNDERWRITTEN: Some policies are medically underwritten, which means that coverage may be denied on the basis of medical history except during the first 6 months after enrollment in Medicare Part B. PRE-EXISTING CONDITIONS: For the first six months after enrollment in Medicare Part B (usually at age 65), one cannot be denied purchase of policies listed regardless of medical history or any pre-existing conditions, and higher premium cannot be charged because of such conditions. Even though insurance companies may sell Medicare Supplement Insurance policies to persons with pre-existing medical conditions, many policies specify a pre-existing period (up to 6 months), during which there will be no coverage for treatment for conditions which existed up to 6 months prior to the effective date of the policy. This pre-existing condition period must be waived for persons purchasing a policy to replace their current Medicare supplement coverage. Some companies also waive the pre-existing condition period for persons who purchase the policy just prior to becoming 65, or within one month of enrollment in Medicare Part B.

5 MEDIGAP POLICY BENEFITS A Medigap policy is a type of insurance sold by private companies to fill the gaps in Original Medicare Plan coverage. It can only be sold in 10 standardized plans, A through J. The present standardized system was created after consumer groups proved that seniors were being sold policies that duplicated insurance they already had. It s now much easier to compare benefits and choose a policy that best suits your needs. Here are some guidelines to help you make that choice. Basic Benefits: All plans must include coverage of these costs for 2015 the $315/day co-payment for hospital days per benefit period; $630/day co-payment for days ; and 100% of all costs up to 365 additional days per lifetime; the 20% co-payment for medical expenses; and payment for the first three pints of blood yearly. Part A In-Patient Hospital Deductible (included in plans B through N): This benefit pays the deductible ($1260 in 2015) for hospital stays. Since the deductible must be met for each new benefit period, this coverage could prove especially valuable should you have one or more return visits to the hospital within the year. Part A Skilled Nursing Home Co-Insurance (included in plans C through N): This benefit pays the co-payment ($ a day in 2015) for days 21 through 100 of daily skilled care in a nursing home per benefit period. Only a small portion of Medicare beneficiaries require daily skilled care in a nursing home. Because Medigap policies only pay for services covered by Medicare, Medigap coverage is also limited. Part B Deductible (included in plans C, F): This benefit pays for the first $147 of Medicare-covered medical services in each calendar year. Although it has popular appeal, it s likely to cost as much or more than the maximum benefit you can receive. Part B-Excess Doctor Charges (100% coverage in plans F): This benefit pays the difference between the doctor actual charge and the Medicare-approved charge. Under federal law, physicians who do not accept assignment--that is, do not take as full payment the amount approved by Medicare--cannot charge you more that 15% above that amount. This benefit pays all or part of the excess charges, depending on which plan you choose. If most or all of your doctors accept assignment, you probably do not need this benefit.

6 MEDICARE ADVANTAGE HEALTH MAINTENANCE ORGANIZATION (HMO) Instead of receiving your Medicare coverage in the Original Medicare program, you may enroll in a Medicare Advantage HMO. When you enroll in a Medicare Advantage HMO plan, you are NOT giving up Medicare. You are simply receiving your Medicare in a different way. A Medicare Advantage HMO is a type of managed care that insurance companies, under a contract with the Federal Medicare agency, offer to people with both Parts A and B of Medicare. The contract period is from January 1 st through December 31 st. Under the contract, the Federal Medicare agency gives the insurance company a fixed amount of money each month (called a capitation ) for each Medicare member. With the money from the Federal government, the insurance company must provide each member with the same services that are covered under Original Medicare Part A and Part B. Many Advantage HMO plans also include limited coverage for some routine services (e.g. hearing, vision, and dental care). A Medicare Advantage HMO, then, is Medicare coverage for anyone who enrolls in one. Unlike Original Medicare, when you enroll in a Medicare Advantage HMO, you may only see certain doctors and go to certain hospitals within your area. These doctors and hospitals are called the HMO s network. They have agreed to treat people from the HMO. When you first become a member of the HMO, you must choose a Primary Care Physician (PCP) who manages your care and provides you with most of your health care services. Your PCP will decide if you need to see a specialist, and will give you a written referral. When you receive your health care services, you present the identification card you got when you became a member of the Medicare Advantage HMO plan. You don t present your Medicare card. As a member of a Medicare Advantage HMO, you will not have the same out-of-pocket expenses that you have with Original Medicare. There is no Medicare Part B annual deductible in a Medicare Advantage HMO. You will not be responsible for the Medicare Part B coinsurance of 20% each time you see a doctor. There will not be any Medicare Part A hospital inpatient coinsurance amounts. Most Medicare Advantage HMOs in New Jersey charge a monthly premium, in addition to the Medicare Part B monthly premium. When you see your PCP, you will pay a fixed amount ranging from $15 to $60. If you need to see a specialist, you will pay a fixed co-payment ranging from $15 to $60. If you are admitted to a hospital, some Medicare Advantage HMO plans in New Jersey charge a deductible. Most importantly, if you get care outside the HMO s network without a referral and it is not a medical emergency (life-threatening) or a situation requiring urgent care (when your geographically in another area), you will be totally responsible for all costs. Neither Medicare nor the HMO will pay anything because Medicare has already given the HMO money to provide you with all of your healthcare services, and the HMO pays the doctors and hospitals in its network and expects you to use them when you need care. You cannot buy a Medicare supplement to pay the out of pocket costs you are responsible for in a Medicare Advantage HMO plan. Medicare supplements only work with Original Medicare. You may enroll in a Medicare Advantage plan at any time. Your coverage will take effect the first day of the month after the plan receives your enrollment form. You may also disenroll at any time. If you disenroll, you will return to Original Medicare on the first day of the month after the plan receives your written disenrollment request, or the first day of a month you specify in your disenrollment letter.

7 Medicare Supplement (Medigap) Insurance Companies Offering Policies in New Jersey as of May 2015 Please call the companies directly for detailed information about eligibility for enrollment. INSURANCE COMPANY NAME TELEPHONE NUMBER PRE-EXISTING MEDICAL CONDITION WAITING PERIOD* Aetna Life Insurance Company None AARP issued by United Healthcare (AARP Membership is required) months American Progressive Life & Health Ins. Co. of NY months AmeriHealth Insurance Company of New Jersey months Central States Indemnity Company of Omaha None Colonial Penn Life Insurance Company None Combined Insurance Company of America months Continental Life Ins. Co. of Brentwood, Tennessee None Genworth Life and Annuity Insurance Company None Gerber Life Insurance Company None Horizon Blue Cross Blue Shield of New Jersey months Humana Insurance Company months Individual Assurance Co., Life, Health & Accident None Loyal American Life Insurance Company months Manhattan Life Insurance Company None Philadelphia American Life Insurance Company months Reserve National Insurance Company months Shenandoah Life Insurance Company None Sterling Life Insurance Company None Stonebridge Life Insurance Company Contact your local agent for application None United American Insurance Company months United of Omaha Life Insurance Company None *A pre-existing condition is a health problem you have before the date a new insurance policy starts. Medigap companies can refuse to cover your costs for services related to your pre-existing health problems for up to 6 months (some companies have a shorter waiting period per the above chart). After 6 months (or less), the Medigap policy will cover the costs for the pre-existing condition. Medicare will cover the eligible costs for preexisting medical conditions during the Medigap waiting period. You may be exempt from the pre-existing condition waiting period if you had other creditable health coverage prior to applying for the Medigap. Revised May 27, 2015

8 NJ Medicare Supplement Coverage for People Between Ages 50 and 65 on Medicare Due to Disability May 2015 Company Plan Male Male Smoker*/Tobacco User Non-Smoker/Non-Tobacco User Smoker*/Tobacco User Non-Smoker/Non-Tobacco Aetna Life C $ $ $ $ AARP United Healthcare C $ $ $ $ American Progressive Life & Health C $ $ $ $ AmeriHealth Ins. Co. of N.J. C $ $ $ $ Central States Indemnity Company C (1) $ (1) $ (1) $ (1) $ of Omaha C (2) $ (2) $ (2) $ (2) $ (1) Price for Central States Indemnity policies sold in Newark Zip Codes starting with 071 ; (2) Price for this plan outside Newark ** Colonial Penn Life C $ $ $ $ C (1) $ (1) $ (1) $ (1) $ Combined Ins. Co of America C (2) $ (2) $ (2) $ (2) $ C (3) $ (3) $ (3) $ (3) $ (1) Price in Zip Codes starting with , 079, 086, 088, 089; (2) Zip Codes starting with , 078, 085; (3) Zip Codes starting with 077, , 087 Continental Life of Brentwood, TN C $ $ $ $ Genworth Life & Annuity C $ $ $ $ Gerber Life C $ $ $ $ Horizon Blue Cross Blue Shield of N.J. C $ $ $ $ Humana C $ $ $ $ Individual Assurance Company, Life, Health & Accident C $ $ $ $ Loyal American Life C $ $ $ $ Manhattan Life C $ $ $ $ Philadelphia American Life C (1) $ (1) $ (1) $ (1) $ C (2) $ (2) $ (2) $ (2) $ (1) Price for Philadelphia American in Newark Zip Codes , 07112, 07114, 07175, 07184, 07188, 07189, , 07195, 07198, 07199; (2) Price for this plan outside Newark *** Reserve National Ins. Co. C $ (PT) $ (PNT) $ (PT) $ (PNT) C $ (ST) $ (SNT) $ (ST) $ (SNT) Shenandoah Life Ins. Co. C $ $ $ $ Sterling Life C $ $ $ $ Stonebridge Life C $ $ $ $ United American C $ $ $ $ United of Omaha Life C $ $ $ $ United of Omaha Life Unisex Rate C $ $ $ $ Premium increases can occur at any time during the calendar year with authorization from the N.J. Dept. of Banking and Insurance. Some companies may offer premium discounts. Some companies may charge a one time application fee (e.g.$20/$25). Questions about premiums, discounts, application fees, benefit packages, and eligibility for enrollment should be directed to the company. * Applicants applying during the first 6-months of Medicare Part B or in guaranteed issue situations will pay the non-tobacco, non-smoker or preferred rates. ** Company may charge higher (substandard) rates based on health conditions. *** Company charges amount based on Preferred Tobacco/Preferred Non-Tobacco or Standard Tobacco/Standard Non-Tobacco. State of New Jersey, Department of Human Services, Division of Aging Services, State Health Insurance Assistance Program (SHIP) Revised May 22, 2015

9 Male Non-Smoker/Preferred New Jersey Medicare Supplement Policies (Medigap) Monthly Premium at Age 65* May Rating High Company Plan A Plan B Plan C Plan D Plan F Plan G Plan K Plan L Plan M Plan N Used Deduct F Aetna Life NT $ $ $ N/A $ N/A $ N/A N/A N/A $ Male/ AARP United Healthcare $ $ $ N/A $ N/A N/A $54.43 $79.28 N/A $ American Progressive Life P $ $ $ $ $ N/A $ N/A N/A N/A $ AmeriHealth Ins. Co. of N.J. Male/ $98.89 N/A $ N/A $ N/A N/A N/A N/A N/A $ Central States Indemnity NT (1) $ N/A (1) $ N/A (1) $ N/A (1) $ N/A N/A N/A (1) $ Co. of Omaha NT (2) $ N/A (2) $ N/A (2) $ N/A (2) $ N/A N/A N/A (2) $ (1) Price for Central States Indemnity policies sold in Newark Zip Codes starting with 071; (2) Price for this plan outside Newark ** Colonial Penn Life P $ $ $ N/A $ $47.57 $ $76.93 $ $ $ Combined Ins. Co. of T (1) $ N/A (1) $ N/A (1) $ N/A (1) $ N/A N/A N/A (1) $ America T (2) $ N/A (2) $ N/A (2) $ N/A (2) $ N/A N/A N/A (2) $ T (3) $ N/A (3) $ N/A (3) $ N/A (3) $ N/A N/A N/A (3) $ (1) Price in Zip Codes starting with , 079, 086, 088, 089; (2) Zip Codes starting with , 078, 085; (3) Zip Codes starting with 077, , 087 Continental Life of Brentwood, TN P $ $ $ N/A $ $80.55 $ N/A N/A N/A $ Genworth Life & Annuity P $ $ $ N/A $ $86.47 $ N/A N/A N/A $ Gerber Life NT $ N/A $ N/A $ N/A $ N/A N/A N/A N/A Horizon Blue Cross Blue Male/ $ N/A $ N/A $ N/A $ $91.84 N/A N/A $ Shield of N.J. Humana P $ $ $ N/A $ $73.36 N/A $ $ N/A $ Individual Assurance Co., Life, Health & Accident NT $ N/A $ N/A $ N/A $ N/A N/A N/A $ Loyal American Life P $ N/A $ N/A $ N/A $ N/A N/A N/A $ Manhattan Life P $ N/A $ N/A $ N/A $ N/A N/A N/A $ (1) $ N/A (1) $ N/A (1) $ (1) $60.67 (1) $ N/A N/A N/A (1) Philadelphia American Life NT $ (2) $ N/A (2) $ N/A (2) $ (2) $55.16 (2) $ N/A N/A N/A (2) $ (1) Price in Zip Codes in Newark , 07112, 07114, 07175, 07184, 07188, 07189, , 07195, 07198, 07199; (2) Price in all other Zip Codes T $ N/A $ N/A $ $74.60 $ N/A N/A N/A Reserve National Ins. Co. $ St $ N/A $ N/A $ $85.80 $ N/A N/A N/A $ Shenandoah Life Ins. Co. NT $ N/A $ N/A $ N/A $ N/A N/A N/A $ Sterling Life NT $ $ $ N/A $ N/A $ $ N/A N/A $ Stonebridge Life NT $ N/A $ N/A $ N/A $ N/A N/A N/A $ United American P $ N/A $ N/A $ $58.00 N/A N/A N/A N/A N/A United of Omaha Life NT $ N/A $ N/A $ N/A $ N/A N/A $ N/A Unisex United of Omaha Life NT $ N/A $ N/A $ N/A $ N/A N/A $ N/A NT = Non-Tobacco User P = Preferred Rate NS = Non-Smoker Unisex = See Attached * If older than age 65, contact company for rate quotes. ** Company may charge higher (substandard) rates based on health conditions. State of New Jersey, Department of Human Services, Division of Aging Services, State Health Insurance Assistance Program Revised May 26, 2015

10 FEMALE Non-Smoker/Preferred New Jersey Medicare Supplement Policies (Medigap) Monthly Premium at Age 65* May 2015 Rating High Company Plan A Plan B Plan C Plan D Plan F Plan G Plan K Plan L Plan M Plan N Used Deduct F Aetna Life NT $ $ $ N/A $ N/A $ N/A N/A N/A $ AARP United Healthcare Male/ $ $ $ N/A $ N/A N/A $54.33 $79.28 N/A $ American Progressive Life P $ $ $ $ $ N/A $ N/A N/A N/A $ AmeriHealth Ins. Co. of N.J. Central States Indemnity Co. of Omaha Male/ NT $98.89 N/A $ N/A $ N/A N/A N/A N/A N/A $ NT (1) $ N/A (1) $ N/A (1) $ N/A (1) $ N/A N/A N/A (1) $ NT (2) $ N/A (2) $ N/A (2) $ N/A (2) $ N/A N/A N/A (2) $ (1) Price for Central States Indemnity policies sold in Newark Zip Codes starting with 071; (2) Price for this plan outside Newark ** Colonial Penn Life P $ $ $ N/A $ $42.92 $ $69.33 $ $ $97.49 NT (1) $ N/A (1) $ N/A (1) $ N/A (1) $ N/A N/A N/A Combined Ins. Co. of (1) $ NT (2) $ N/A (2) $ N/A (2) $ N/A (2) $ N/A N/A N/A (2) $ America NT (3) $ N/A (3) $ N/A (3) $ N/A (3) $ N/A N/A N/A (3) $ Continental Life of Brentwood, TN P $ $ $ N/A $ $74.89 $ N/A N/A N/A $ Genworth Life & Annuity P $ $ $ N/A $ $75.07 $ N/A N/A N/A $ Gerber Life NT $ N/A $ N/A $ N/A $ N/A N/A N/A N/A Horizon Blue Cross Blue Male/ Shield of N.J. $ N/A $ N/A $ N/A $ $91.84 N/A N/A $ Humana P $ $ $ N/A $ $73.17 N/A $ $ N/A $ Individual Assurance Co., Life, Health & Accident NT $ N/A $ N/A $ N/A $ N/A N/A N/A $ Loyal American Life P $ N/A $ N/A $ N/A $ N/A N/A N/A $ Manhattan Life P $ N/A $ N/A $ N/A $ N/A N/A N/A $ Philadelphia American (1) $ N/A (1) $ N/A (1) $ (1) $56.18 (1) $ N/A N/A N/A (1) NT $ Life (2) $ N/A (2) $ N/A (2) $ (2) $51.07 (2) $ N/A N/A N/A (2) $ (1) Price in Zip Codes in Newark , 07112, 07114, 07175, 07184, 07188, 07189, , 07195, 07198, 07199; (2) Price in all other Zip Codes P $ N/A $ N/A $ $64.85 $ N/A N/A N/A Reserve National Ins. Co. $ NT $ N/A $ N/A $ $74.60 $ N/A N/A N/A $ Shenandoah Life Ins. Co. NT $ N/A $ N/A $ N/A $ N/A N/A N/A $ Sterling Life NT $ $ $ N/A $ N/A $ $ N/A N/A $ Stonebridge Life NT $93.63 N/A $ N/A $ N/A $ N/A N/A N/A $ United American P $ N/A $ N/A $ $50.00 N/A N/A N/A N/A N/A United of Omaha Life NT $ N/A $ N/A $ N/A $ N/A N/A $ N/A Unisex United of Omaha Life NT $ N/A $ N/A $ N/A $ N/A N/A $ N/A NT = Non-Tobacco User NS = Non-Smoker (1) Price in Zip Codes starting with , 079, 086, 088, 089; (2) Zip Codes starting with , 078, 085; (3) Zip Codes starting with 077, , 087 P = Preferred Rate Unisex = See Attached * If older than age 65, contact company for rate quotes. ** Company may charge higher (substandard) rates based on health conditions. State of New Jersey, Department of Human Services, Division of Aging Services, State Health Insurance Assistance Program Revised May 27, 2015

11 MALE Smoker New Jersey Medicare Supplement Policies (Medigap) Monthly Premium at Age 65* May 2015 Rating High Company Plan A Plan B Plan C Plan D Plan F Plan G Plan K Plan L Plan M Plan N Used Deduct F Aetna Life T $ $ $ N/A $ N/A $ N/A N/A N/A $ AARP United Healthcare Male/ $ $ $ N/A $ N/A N/A $59.86 $87.20 N/A $ American Progressive Life St $ $ $ $ $ N/A $ N/A N/A N/A $ AmeriHealth Ins. Co. of N.J. Male/ $ N/A $ N/A $ N/A N/A N/A N/A N/A $ Central States Indemnity Co. of Omaha T (1) $ N/A (1) $ N/A (1) $ N/A (1) $ N/A N/A N/A (1) $ T (2) $ N/A (2) $ N/A (2) $ N/A (2) $ N/A N/A N/A (2) $ (1) Price for Central States Indemnity policies sold in Newark Zip Codes starting with 071; (2) Price for this plan outside Newark ** Colonial Penn Life St $ $ $ N/A $ $52.75 $ $85.37 $ $ $ T (1) $ N/A (1) $ N/A (1) $ N/A (1) $ N/A N/A N/A Combined Ins. Co. of (1) $ T (2) $ N/A (2) $ N/A (2) $ N/A (2) $ N/A N/A N/A (2) $ America T (3) $ N/A (3) $ N/A (3) $ N/A (3) $ N/A N/A N/A (3) $ (1) Price in Zip Codes starting with , 079, 086, 088, 089; (2) Zip Codes starting with , 078, 085; (3) Zip Codes starting with 077, , 087 Continental Life of Brentwood, TN St $ $ $ N/A $ $89.80 $ N/A N/A N/A $ Genworth Life & Annuity St $ $ $ N/A $ $96.06 $ N/A N/A N/A $ Gerber Life T $ N/A $ N/A $ N/A $ N/A N/A N/A N/A Horizon Blue Cross Blue Male/ Shield of N.J. $ N/A $ N/A $ N/A $ $91.84 N/A N/A $ Humana St $ $ $ N/A $ $ N/A $ $ N/A $ Indivdual Assurance Co., Life, Health & Accident T $ N/A $ N/A $ N/A $ N/A N/A N/A $ Loyal American Life St $ N/A $ N/A $ N/A $ N/A N/A N/A $ Manhattan Life St $ N/A $ N/A $ N/A $ N/A N/A N/A $ (1) $ N/A (1) $ N/A (1) $ (1) $66.74 (1) $ N/A N/A N/A Philadelphia American Life T (1) $ (2) $ N/A (2) $ N/A (2) $ (2) $60.68 (2) $ N/A N/A N/A (2) $ (1) Price in Zip Codes in Newark , 07112, 07114, 07175, 07184, 07188, 07189, , 07195, 07198, 07199; (2) Price in all other Zip Codes Reserve National Ins. Co. T $ N/A $ N/A $ $85.80 $ N/A N/A N/A $ St $ N/A $ N/A $ $98.60 $ N/A N/A N/A $ Shenandoah Life Ins. Co. T $ N/A $ N/A $ N/A $ N/A N/A N/A $ Sterling Life T $ $ $ N/A $ N/A $ $ N/A N/A $ Stonebridge Life T $ N/A $ N/A $ N/A $ N/A N/A N/A $ United American St $ N/A $ N/A $ $67.00 N/A N/A N/A N/A N/A United of Omaha Life T $ N/A $ N/A $ N/A $ N/A N/A $ N/A Unisex United of Omaha Life T $ N/A $ N/A $ N/A $ N/A N/A $ N/A T = Tobacco St = Standard S= Smoker Unisex = See Attached * If older than age 65, contact company for rate quotes. ** Company may charge higher (substandard) rates based on health conditions. State of New Jersey, Department of Human Services, Division of Aging Services, State Health Insurance Assistance Program Revised May 27, 2015

12 FEMALE Smoker New Jersey Medicare Supplement Policies (Medigap) Monthly Premium at Age 65* May 2015 Rating High Company Plan A Plan B Plan C Plan D Plan F Plan G Plan K Plan L Plan M Plan N Used Deduct F Aetna Life T $ $ $ N/A $ N/A $ N/A N/A N/A $ AARP United Healthcare Male/ $ $ $ N/A $ N/A N/A $59.86 $87.20 N/A $ American Progressive Life St $ $ $ $ $ N/A $ N/A N/A N/A $ AmeriHealth Ins. Co. of N.J. Male/ $ N/A $ N/A $ N/A N/A N/A N/A N/A $ Central States Indemnity Company of Omaha T (1) $ N/A (1) $ N/A (1) $ N/A (1) $ N/A N/A N/A (1) $ T (2) $ N/A (2) $ N/A (2) $ N/A (2) $ N/A N/A N/A (2) $ (1) Price for Central States Indemnity policies sold in Newark Zip Codes starting with 071; (2) Price for this plan outside Newark ** Colonial Penn Life St $ $ $ N/A $ $47.57 $ $76.93 $ $ $ T (1) $ N/A (1) $ N/A (1) $ N/A (1) $ N/A N/A N/A Combined Ins. Co. of (1) $ T (2) $ N/A (2) $ N/A (2) $ N/A (2) $ N/A N/A N/A (2) $ America T (3) $ N/A (3) $ N/A (3) $ N/A (3) $ N/A N/A N/A (3) $ (1) Price in Zip Codes starting with , 079, 086, 088, 089; (2) Zip Codes starting with , 078, 085; (3) Zip Codes starting with 077, , 087 Continental Life of Brentwood, TN St $ $ $ N/A $ $83.30 $ N/A N/A N/A $ Genworth Life & Annuity St $ $ $ N/A $ $83.57 $ N/A N/A N/A $ Gerber Life T $ N/A $ N/A $ N/A $ N/A N/A N/A N/A Horizon Blue Cross Blue Male/ Shield of N.J. $ N/A $ N/A $ N/A $ $91.84 N/A N/A $ Humana St $ $ $ N/A $ $ N/A $ $ N/A $ Individual Assurance Co., Life, Health & Accident T $ N/A $ N/A $ N/A $ N/A N/A N/A $ Loyal American Life St $ N/A $ N/A $ N/A $ N/A N/A N/A $ Manhattan Life St $ N/A $ N/A $ N/A $ N/A N/A N/A $ Philadelphia American (1) $ N/A (1) $ N/A (1) $ (1) $61.80 (1) $ N/A N/A N/A (1) $ T Life (2) $ N/A (2) $ N/A (2) $ (2) $56.18 (2) $ N/A N/A N/A (2) $ (1) Price in Zip Codes in Newark , 07112, 07114, 07175, 07184, 07188, 07189, , 07195, 07198, 07199; (2) Price in all other Zip Codes Reserve National Ins. Co. T $ N/A $ N/A $ $74.60 $ N/A N/A N/A $ St $ N/A $ N/A $ $85.80 $ N/A N/A N/A $ Shenandoah Life Ins. Co. T $ N/A $ N/A $ N/A $ N/A N/A N/A $ Sterling Life T $ $ $ N/A $ N/A $ $ N/A N/A $ Stonebridge Life T $ N/A $ N/A $ N/A $ N/A N/A N/A $ United American St $ N/A $ N/A $ $58.00 N/A N/A N/A N/A N/A United of Omaha Life T $ N/A $ N/A $ N/A $ N/A N/A $ N/A Unisex United of Omaha Life T $ N/A $ N/A $ N/A $ N/A N/A $ N/A *If older than age 65, contact company for rate quotes. S = Smoker St = Standard T = Tobacco Unisex = See Attached ** Company may charge higher (substandard) rates based on health conditions. State of New Jersey, Department of Human Services, Division of Aging Services, State Health Insurance Assistance Program Revised May 29, 2015

Kansas Insurance Department Medicare supplement. insurance shopper s guide. effective March 1, 2015. Ken Selzer, CPA Commissioner of Insurance

Kansas Insurance Department Medicare supplement. insurance shopper s guide. effective March 1, 2015. Ken Selzer, CPA Commissioner of Insurance Kansas Insurance Department Medicare supplement insurance shopper s guide effective March 1, 2015 Ken Selzer, CPA Commissioner of Insurance Medicare supplement insurance shopper s guide March 2015 Dear

More information

Hospitalization and preventive care paid at 100%; other basic benefits paid at 50% Basic, including 100% Part B coinsurance. 100% Part B coinsurance

Hospitalization and preventive care paid at 100%; other basic benefits paid at 50% Basic, including 100% Part B coinsurance. 100% Part B coinsurance Health First Insurance, Inc. OUTLINE OF COVERAGE 2014 Benefit Plans A, F, N Benefit Chart of Medicare Supplement Plans Sold on or After June 1, 2010 This chart shows the benefits included in each of the

More information

2016 Medicare Supplement (Medigap) Plans Under Age 65

2016 Medicare Supplement (Medigap) Plans Under Age 65 Standard Medigap Plan Benefits A B C D F HOSPITALIZATION F High Deductible G K L M N Hospital deductible: days 1-6 P P P P P P 5% 75% 5% P Hospital coinsurance: days 61-15, plus 365 extra days P P P P

More information

Medicare Supplement Insurance Shopper s Guide

Medicare Supplement Insurance Shopper s Guide Kansas Medicare Supplement Insurance Shopper s Guide Rates effective as of March 1, 2011 Kansas Insurance Department Sandy Praeger, Commissioner Medicare Supplement Insurance Shopper s Guide March 2011

More information

A B C D F F* G K L M N Basic, including. Basic, including. coinsurance. 75% Skilled Nursing. Facility Coinsurance. 50% Part A. Deductible.

A B C D F F* G K L M N Basic, including. Basic, including. coinsurance. 75% Skilled Nursing. Facility Coinsurance. 50% Part A. Deductible. This chart shows the benefits included in each of the standard Medicare supplement plans. Every company must make Plan A available. Some plans may not be available in your state. AmeriHealth Insurance

More information

Skilled Nursing Facility Coinsurance. Skilled Nursing Facility Coinsurance Part A Deductible Part B. Part A Deductible Part B.

Skilled Nursing Facility Coinsurance. Skilled Nursing Facility Coinsurance Part A Deductible Part B. Part A Deductible Part B. Aetna Life Insurance Company Outline of Medicare Supplement Coverage Benefit Plans A, B, F, G and N are Offered Benefit Chart of Medicare Supplement Plans Sold for Effective Dates on or After June 1, 2010

More information

MedicareBlue Supplement

MedicareBlue Supplement SM MedicareBlue Supplement Plans A, D, F, High Deductible F, and N 2015 Outlines of Coverage Benefit Chart of Medicare Supplement Plans Sold for Effective Dates on or after January 1, 2015 This chart shows

More information

AARP/United Healthcare Insurance Company 800-523-5800 PLAN A PLAN B PLAN C PLAN F PLAN K PLAN L PLAN N $2604 $3489 $4173 $4194 $1431 $2418 $3015

AARP/United Healthcare Insurance Company 800-523-5800 PLAN A PLAN B PLAN C PLAN F PLAN K PLAN L PLAN N $2604 $3489 $4173 $4194 $1431 $2418 $3015 Monica J. Lindeen Office of the Montana State Auditor Commissioner of Securities & Insurance 840 Helena Ave. Helena, MT 59601 Phone: 406.444.2040 or 800.332.6148 Fax: 406.444.3497 Web: www.csimt.gov UNDER

More information

2015 Medicare Standard Supplement (Medigap) Plans (For Under Age 65)

2015 Medicare Standard Supplement (Medigap) Plans (For Under Age 65) Medicare Cost Sharing PART A HOSPITALIZATION & SNF A B C D F F(HD) 1 G K L M N Hospital Deductible: Day 1 of Benefit Period $1,260 $1,260 $0 $0 $0 $0 $0 $0 $630 $315 $630 $0 Hospital Coinsurance: Days

More information

Benefit Chart of Medicare Supplement Plans Sold on or After January 1, 2014

Benefit Chart of Medicare Supplement Plans Sold on or After January 1, 2014 Benefit Chart of Medicare Supplement Plans Sold on or After January 1, 2014 This chart shows the benefits included in each of the standard Medicare Supplement plans. Every company must make available Plans

More information

2016 Medicare Standard Supplement (Medigap) Plans (For Ages 65 and Older)

2016 Medicare Standard Supplement (Medigap) Plans (For Ages 65 and Older) PART A HOSPITALIZATION & SNF A B C D F F(HD) 1 G K L M N Hospital Deductible: Day 1 of Benefit Period $1,288 $1,288 $0 $0 $0 $0 $0 $0 $644 $322 $644 $0 Hospital Coinsurance: Days 1-60 $0/D $0 $0 $0 $0

More information

Benefit Chart of Medicare Supplement Plans Sold On or After June 1, 2015

Benefit Chart of Medicare Supplement Plans Sold On or After June 1, 2015 Outline of Medicare Supplement Coverage Benefit Chart of Medicare Supplement Plans Sold On or After June 1, 2015 This chart shows the benefits included in each of the standard Medicare Supplement plans.

More information

Outline of Medicare Supplement Coverage

Outline of Medicare Supplement Coverage Outline of Medicare Supplement Coverage Benefit Plans A, C, F, L, N for 2016 Outline of Medicare Supplement Coverage Benefit Plans A, C, F, L, N for 2016 These charts show the benefits included in each

More information

Medicare Supplement Outline of Coverage

Medicare Supplement Outline of Coverage Blue Cross and Blue Shield of Nebraska Medicare Supplement Outline of Coverage Benefit Plans: A, B, C, F, G and L Rates Valid: April 1, 2016 through March 31, 2017 For Plans Effective: January 1, 2016

More information

Basic, including 100% Part B Coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing.

Basic, including 100% Part B Coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing. OMAHA INSURANCE COMPANY A Mutual of Omaha Company OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE BENEFIT PLANS A, C, D, F, AND G This chart shows the benefits included in each of the standard Medicare

More information

Basic, including 100% Part B Coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing.

Basic, including 100% Part B Coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing. OMAHA INSURANCE COMPANY A Mutual of Omaha Company OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE BENEFIT PLANS A, C, D, F, AND G This chart shows the benefits included in each of the standard Medicare

More information

MedicareBlue Supplement SM

MedicareBlue Supplement SM MedicareBlue Supplement SM Important Information about the enclosed premiums and Medicare deductibles and cost-sharing amounts The MedicareBlue Supplement information enclosed in this Outline of Coverage

More information

2015 Medicare Supplement Insurance Premium Comparison. Arizona Department of Insurance

2015 Medicare Supplement Insurance Premium Comparison. Arizona Department of Insurance 2015 Medicare Supplement Insurance Premium Comparison Arizona Department of Insurance TABLE OF CONTENTS Message from the Director of Insurance 1 What should I consider when shopping for Medicare Supplement

More information

Basic, including. Hospitalization and preventive care paid. 50% Skilled Nursing. Part A Deductible. 50% Part A. Deductible

Basic, including. Hospitalization and preventive care paid. 50% Skilled Nursing. Part A Deductible. 50% Part A. Deductible United of Omaha Life Insurance Company A Mutual of Omaha Company OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE BENEFIT PLANS A, C, F, HIGH DEDUCTIBLE F, G, M AND N This chart shows the benefits included

More information

Basic, including 100% Part B coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing.

Basic, including 100% Part B coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing. UNITED WORLD LIFE INSURANCE COMPANY A Mutual of Omaha Company OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE BENEFIT PLANS A, B, C, D, F, G, AND M These charts show the benefits included in each of

More information

AFLAC MEDICARE SUPPLEMENT

AFLAC MEDICARE SUPPLEMENT AFLAC MEDICARE SUPPLEMENT P E N N S Y LVA N I A 2 0 13 IC(1/13) AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS Outline of Medicare Supplement Coverage Benefit Plans A, B, C, D, F, G and N Benefit

More information

Skilled Nursing Facility Coinsurance Part A Deductible Part B. Part B Excess (100%) Foreign Travel Emergency. Foreign Travel Emergency

Skilled Nursing Facility Coinsurance Part A Deductible Part B. Part B Excess (100%) Foreign Travel Emergency. Foreign Travel Emergency Montana OLD SURETY LIFE INSURANCE COMPANY 2014 ( effective 01/01/2014 ) Outline of Medicare Supplement Coverage Benefit Plans A and F Only are being offered by the company at this time. These charts show

More information

health plan My life, MyBlue MedigapSM Outline of Medigap coverage and application form Plans A, F, HD F and N www.bcbsm.

health plan My life, MyBlue MedigapSM Outline of Medigap coverage and application form Plans A, F, HD F and N www.bcbsm. Medicare supplement coverage offered by Blue Care Network of Michigan MyBlue MedigapSM My life, my health plan 2016 Outline of Medigap coverage and application form Plans A, F, HD F and N www.bcbsm.com/mybluemedigap

More information

Plan F* Plan G. Basic, including 100% Basic, including 100% Basic, including 100% Part B coinsurance. Skilled nursing facility coinsurance

Plan F* Plan G. Basic, including 100% Basic, including 100% Basic, including 100% Part B coinsurance. Skilled nursing facility coinsurance Outline of Coverage UnitedHealthcare Insurance Company Overview of Available s Benefit Chart of Medicare Supplement s Sold on or After June 1, 2010 This chart shows the benefits included in each of the

More information

OREGON Basic, including 100% Part B coinsurance. Skilled Nursing Facility Coinsurance Part A Deductible Part B. Deductible

OREGON Basic, including 100% Part B coinsurance. Skilled Nursing Facility Coinsurance Part A Deductible Part B. Deductible Oxford Life Benefit Chart of Medicare Supplement Plans sold on or after June 15, 2015 Insurance Company This chart shows the benefits included in each of the standard Medicare supplement plans. Every company

More information

Basic, including 100% Part B coinsurance. Foreign Travel Emergency

Basic, including 100% Part B coinsurance. Foreign Travel Emergency BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA An Independent Licensee of the Blue Cross and Blue Shield Association OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE 1 of 2: BENEFIT PLANS A, C, L and N

More information

Outline of coverage. January 2015 May 2015

Outline of coverage. January 2015 May 2015 January 2015 May 2015 Outline of coverage The federal government has asked us to provide this outline of coverage to help you decide which plan best fits your needs and meets your budget. D98, 10/14, SM

More information

Outline of coverage. June 2014 May 2015

Outline of coverage. June 2014 May 2015 June 2014 May 2015 Outline of coverage The federal government has asked us to provide this outline of coverage to help you decide which plan best fits your needs and meets your budget. D98, 3/14, SM Marks

More information

Outline of coverage. June 2015 - May 2016

Outline of coverage. June 2015 - May 2016 June 2015 - May 2016 Outline of coverage The federal government has asked us to provide this outline of coverage to help you decide which plan best fits your needs and meets your budget. D98, 2/15, SM

More information

MediGap Plans A, C, F, & N 2016 OUTLINE OF MEDICARE SUPPLEMENT COVERAGE

MediGap Plans A, C, F, & N 2016 OUTLINE OF MEDICARE SUPPLEMENT COVERAGE MediGap Plans A, C, F, & N 2016 OUTLINE OF MEDICARE SUPPLEMENT COVERAGE This page was intentionally left blank. BENEFIT CHART OF MEDICARE SUPPLEMENT PLANS SOLD FOR EFFECTIVE DATES ON OR AFTER JUNE 1, 2010

More information

A B C D F F* G K L M N. Basic Benefits. Basic Benefits* Skilled Nursing Facility Coinsurance Part A Deductible. 50% Skilled Nursing Facility

A B C D F F* G K L M N. Basic Benefits. Basic Benefits* Skilled Nursing Facility Coinsurance Part A Deductible. 50% Skilled Nursing Facility Outline of Medicare Supplement Coverage Standard Benefit for Plan A, Plan F, High Plan F*, Plan N, and Blue Plan65 Select SM Benefit for Plan F and Plan N This chart shows the benefits included in each

More information

Medicare Supplement Insurance (premium comparison chart)

Medicare Supplement Insurance (premium comparison chart) A Consumer s Guide To... Medicare Supplement Insurance (premium comparison chart) Published by: The Maine Bureau of Insurance Last updated: September 2015 Paul R. LePage Governor Eric A. Cioppa Superintendent

More information

Omaha Insurance Company Application Packet

Omaha Insurance Company Application Packet Omaha Insurance Company Application Packet Thank you for your interest in the Omaha Insurance Company Medicare Supplement plan! This application packet provides you with a link to the Online Application

More information

Medicare Supplement Coverage Options

Medicare Supplement Coverage Options Medicare Supplement Coverage Options Thank you for your interest in our Medicare Supplemental coverage options, also known as HealthNow New York Inc. Medicare Supplement (Medigap) plans. The Medicare Supplement

More information

100% of Medicare-eligible expenses Beyond the additional 365 $0 $0 $0 $0

100% of Medicare-eligible expenses Beyond the additional 365 $0 $0 $0 $0 Medicare Supplement Policy Comparison Chart Effective January 1, 2015 Medicare Supplement or BlueCare Plans A, B and C Part A Hospital Insurance Covered Services SERVICE MEDICARE PAYS PLAN A PAYS PLAN

More information

A B C D F F* G K L M N. Basic Benefits. Basic Benefits* Skilled Nursing Facility Coinsurance Part A Deductible Part B. 50% Skilled Nursing Facility

A B C D F F* G K L M N. Basic Benefits. Basic Benefits* Skilled Nursing Facility Coinsurance Part A Deductible Part B. 50% Skilled Nursing Facility Outline of Medicare Supplement Coverage Standard Benefit for Plan A, Plan F, High Plan F*, Plan N, and Blue Plan65 Select Benefit for Plan F and Plan N This chart shows the benefits included in each of

More information

Benefit Chart of Medicare Supplement Plans Sold On or After January 1, 2015

Benefit Chart of Medicare Supplement Plans Sold On or After January 1, 2015 19 North Main Street, Wilkes-Barre, Pennsylvania, 18711 Blue Cross of Northeastern Pennsylvania Benefit Chart of Medicare Supplement Plans Sold On or After January 1, 2015 BlueCare Security Benefit Plans

More information

Basic, including 100% Part B Coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing.

Basic, including 100% Part B Coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing. MUTUAL OF OMAHA INSURANCE COMPANY OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE BENEFIT PLANS A, F, AND G This chart shows the benefits included in each of the standard Medicare supplement plans.

More information

K L M N Basic, including Basic,

K L M N Basic, including Basic, Companion Life Insurance Company Administrative Office PO Box 14158 Clearwater, Florida 33766-4158 (888) 220-0466 Outline of Medicare Supplement Coverage Cover Page Benefit Plans A, F and G - See Outlines

More information

Medicare Supplemental Coverage Outline

Medicare Supplemental Coverage Outline More to feel good about. Medicare Supplemental Coverage Outline MediGap-65 Maryland Plans A, B, F, High-Deductible F and N Offered by CareFirst of Maryland, Inc.*, d/b/a CareFirst BlueCross BlueShield,

More information

Part B. Coinsurance. Skilled Nursing Facility. 50% Skilled Nursing Facility. Coinsurance. Coinsurance 75% Part A Deductible.

Part B. Coinsurance. Skilled Nursing Facility. 50% Skilled Nursing Facility. Coinsurance. Coinsurance 75% Part A Deductible. AMERICAN RETIREMENT LIFE INSURANCE COMPANY P. O. BOX 26580 AUSTIN, TX 78755-0580 866-459-4272 Outline of Medicare Supplement Coverage - Benefit Plans A, F, G and N This chart shows the benefits included

More information

APPLICATION FOR MEDICARE SUPPLEMENT INSURANCE ILLINOIS

APPLICATION FOR MEDICARE SUPPLEMENT INSURANCE ILLINOIS HEARTLAND NATIONAL LIFE INSURANCE COMPANY Medicare Supplement Administrative Office: PO Box 2878, Salt Lake City, UT 84110-2878 APPLICATION FOR MEDICARE SUPPLEMENT INSURANCE ILLINOIS HNAPP2013IL (2014)

More information

Medicare Supplement Coverage Options

Medicare Supplement Coverage Options Medicare Supplement Coverage Options Thank you for your interest in our Medicare Supplemental coverage options, also known as Traditional Blue (Medigap) policies. The Medicare Supplement Plans, when combined

More information

Basic, including 100% Part B Coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing.

Basic, including 100% Part B Coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing. OMAHA INSURANCE COMPANY A Mutual of Omaha Company OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE BENEFIT PLANS A, F, AND G This chart shows the benefits included in each of the standard Medicare supplement

More information

Basic Benefits Skilled Nursing Facility Coinsurance Part A Deductible

Basic Benefits Skilled Nursing Facility Coinsurance Part A Deductible MUTUAL OF OMAHA INSURANCE COMPANY OUTLINE OF MEDICARE SUPPLEMENT COVERAGE - COVER PAGE 1 STANDARDIZED BENEFIT PLAN A AND SELECT BENEFIT PLANS B, C, D, E, F AND G These charts show the benefits included

More information

OF MEDICARE SUPPLEMENT COVERAGE - COVER PAGE 1 BENEFIT PLANS A, F AND G

OF MEDICARE SUPPLEMENT COVERAGE - COVER PAGE 1 BENEFIT PLANS A, F AND G UNITED OF OMAHA LIFE INSURANCE COMPANY A Mutual of Omaha Company OUTLINE OF MEDICARE SUPPLEMENT COVERAGE - COVER PAGE 1 BENEFIT PLANS A, F AND G These charts show the benefits included in each of the standard

More information

A B C D F F* G K L M N Basic,

A B C D F F* G K L M N Basic, Outline of Medicare Supplement Coverage Benefit Plans A, D, and F Corporate Office Omaha, NE Administrative Services PO Box 10386 Des Moines, IA 50306 www.gomedico.com Toll-Free 1-800-228-6080 This chart

More information

Offered by. Benefit Chart of Medicare Supplement Plans Sold on or After June 1, 2010

Offered by. Benefit Chart of Medicare Supplement Plans Sold on or After June 1, 2010 SecureBlue This chart shows the benefits included in each of the standard Medicare Supplement plans. Every company must make available Plans A, B and C or F. Some plans may not be available in your state.

More information

Basic, Including 100% Part B Coinsurance. Part B Coinsurance. Coinsurance* 50% Skilled Nursing Facility Coinsurance. Skilled Nursing Facility

Basic, Including 100% Part B Coinsurance. Part B Coinsurance. Coinsurance* 50% Skilled Nursing Facility Coinsurance. Skilled Nursing Facility AMERICAN RETIREMENT LIFE INSURANCE COMPANY P. O. BOX 26580 AUSTIN, TX 78755-0580 866-459-4272 Outline of Medicare Supplement Coverage - Benefit Plans A, F, G and N This chart shows the benefits included

More information

Basic, including 100% Part B Coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing.

Basic, including 100% Part B Coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing. GERBER LIFE INSURANCE COMPANY OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE BENEFIT PLANS A, F, AND G This chart shows the benefits included in each of the standard Medicare supplement plans. Every

More information

Medigap Insurance 54110-0306

Medigap Insurance 54110-0306 Medigap Insurance Overview A summary of the insurance policies to supplement and fill gaps in Medicare coverage. How to be a smart shopper for Medigap insurance Medigap policies Medigap and Medicare prescription

More information

MedicareBlue SupplementSM

MedicareBlue SupplementSM MedicareBlue Supplement SM MedicareBlue SupplementSM Choose from five Medicare Supplement Plans M-50374 10/12 M-50374 10/14 2015 enrollment kit I need a Medicare supplement plan I can depend on. Get reliable,

More information

Basic, Including 100% Part B Coinsurance. Part B Coinsurance. Coinsurance* 50% Skilled Nursing Facility Coinsurance. Skilled Nursing Facility

Basic, Including 100% Part B Coinsurance. Part B Coinsurance. Coinsurance* 50% Skilled Nursing Facility Coinsurance. Skilled Nursing Facility AMERICAN RETIREMENT LIFE INSURANCE COMPANY P. O. BOX 26580 AUSTIN, TX 78755-0580 866-459-4272 Outline of Medicare Supplement Coverage - Benefit Plans A, F, G and N This chart shows the benefits included

More information

medicare Outline of Coverage

medicare Outline of Coverage 2015 medicare SUPPLEMENT Outline of Coverage Benefit Chart of Medicare Supplement Plans sold on or after June 1, 2010 This chart shows the benefits included in each of the standard Medicare supplement

More information

Medicare Supplement Coverage Options

Medicare Supplement Coverage Options A Division of HealthNow New York Inc. An Independent Licensee of the BlueCross BlueShield Association. Medicare Supplement Coverage Options Thank you for your interest in our Medicare Supplemental coverage

More information

A B C D F l F* G K L M N Basic including

A B C D F l F* G K L M N Basic including Aetna Life Insurance Company Outline of Medicare Supplement Coverage Benefit Plans A, B, C, F, G and N are Offered This chart shows the benefits included in each of the standard Medicare supplement plans.

More information

Basic, including 100% Part B coinsurance. Foreign Travel Emergency

Basic, including 100% Part B coinsurance. Foreign Travel Emergency BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA An Independent Licensee of the Blue Cross and Blue Shield Association OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE 1 of 2: BENEFIT PLANS A, B, D and F

More information

Basic, including 100% Part B coinsurance. Foreign Travel Emergency

Basic, including 100% Part B coinsurance. Foreign Travel Emergency BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA An Independent Licensee of the Blue Cross and Blue Shield Association OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE 1 of 2: BENEFIT PLANS A, B, D and F

More information

2013 2014 Medicare Supplement Premium Comparison Guide

2013 2014 Medicare Supplement Premium Comparison Guide John K. Holton, Director 2013 2014 Medicare Supplement Premium Comparison Guide Chicago Area This publication has been created by Illinois SHIP with financial assistance, in whole or in part, through a

More information

Benefit Plans A, B, F, G and N are Offered

Benefit Plans A, B, F, G and N are Offered Aetna Life Insurance Company Outline of Medicare Supplement Coverage Benefit Plans A, B, F, G and N are Offered This chart show the benefits included in each of the standard Medicare supplement plans with

More information

100% of Medicare-eligible expenses Beyond the additional 365 $0 $0 $0 $0

100% of Medicare-eligible expenses Beyond the additional 365 $0 $0 $0 $0 Medicare Supplement Policy Comparison Chart Effective January 1, 2013 Medicare Select or BlueSelect Plans B, C and D Part A Hospital Insurance Covered Services SERVICE MEDICARE PAYS PLAN B PAYS PLAN C

More information

Basic, including 100% Part B Coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing.

Basic, including 100% Part B Coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing. OMAHA INSURANCE COMPANY A Mutual of Omaha Company OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE BENEFIT PLANS A, F, AND G This chart shows the benefits included in each of the standard Medicare supplement

More information

Basic, including 100% Part B. Part B co- Skilled Nursing Facility Coinsurance. Skilled Nursing. Skilled Nursing Facility Coinsurance

Basic, including 100% Part B. Part B co- Skilled Nursing Facility Coinsurance. Skilled Nursing. Skilled Nursing Facility Coinsurance UNITED OF OMAHA LIFE INSURANCE COMPANY A Mutual of Omaha Company OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE BENEFIT PLANS A, C, F, G, and M These charts show the benefits included in each of the

More information

GERBER LIFE INSURANCE COMPANY WHITE PLAINS, NEW YORK OUTLINE OF MEDICARE SUPPLEMENT COVERAGE - COVER PAGE

GERBER LIFE INSURANCE COMPANY WHITE PLAINS, NEW YORK OUTLINE OF MEDICARE SUPPLEMENT COVERAGE - COVER PAGE GERBER LIFE INSURANCE COMPANY WHITE PLAINS, NEW YORK OUTLINE OF MEDICARE SUPPLEMENT COVERAGE - COVER PAGE BASIC AND EXTENDED BASIC PLANS The Commissioner of Insurance of the State of Minnesota has established

More information

MUTUAL OF OMAHA INSURANCE COMPANY OUTLINE OF MEDICARE SUPPLEMENT COVERAGE - COVER PAGE BENEFIT PLANS A, C AND F

MUTUAL OF OMAHA INSURANCE COMPANY OUTLINE OF MEDICARE SUPPLEMENT COVERAGE - COVER PAGE BENEFIT PLANS A, C AND F MUTUAL OF OMAHA INSURANCE COMPANY OUTLINE OF MEDICARE SUPPLEMENT COVERAGE - COVER PAGE BENEFIT PLANS A, C AND F Medicare supplement insurance can be sold in only 10 standard plans plus two high deductible

More information

Stonebridge Coverage Outline

Stonebridge Coverage Outline Stonebridge Coverage Outline Thank you for your interest in applying for the Stonebridge Life Medicare Supplement plan! Attached is a copy of the policy Outline of Coverage and we have supplied you with

More information

Basic, including 100% Part B Coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing.

Basic, including 100% Part B Coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing. MUTUAL OF OMAHA INSURANCE COMPANY OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE BENEFIT PLANS A, F, AND G This chart shows the benefits included in each of the standard Medicare supplement plans.

More information

Basic, including 100% Part B Coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing.

Basic, including 100% Part B Coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing. OMAHA INSURANCE COMPANY A Mutual of Omaha Company OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE BENEFIT PLANS A, F, AND G This chart shows the benefits included in each of the standard Medicare supplement

More information

2014 Outline of Medicare Supplement Coverage Cover Page (1 of 2) Plans A, F & N

2014 Outline of Medicare Supplement Coverage Cover Page (1 of 2) Plans A, F & N Anthem Blue Cross and Blue Shield Virginia Administrative Office: P.O. Box 27401, Richmond, VA 23279-7401 Toll Free Telephone Number: 1-800-916-2583 Benefit Chart of Medicare Supplement Plans Sold for

More information

2014 Outline of Medicare Supplement Coverage Cover Page (1 of 2) Plans A, F, High Deductible Plan F, G & N

2014 Outline of Medicare Supplement Coverage Cover Page (1 of 2) Plans A, F, High Deductible Plan F, G & N Anthem Blue Cross and Blue Shield Colorado Administrative Office: PO Box 9063, Oxnard, CA 93031-9063 Toll Free Telephone Number: 1-877-831-3000 Benefit Chart of Medicare Supplement Plans Sold for Effective

More information

Aetna Life Insurance Company Outline of Medicare Supplement Coverage

Aetna Life Insurance Company Outline of Medicare Supplement Coverage Aetna Life Insurance Company Outline of Medicare Supplement Coverage Benefit Plans A, B, F, G and N are Offered This chart shows the benefits included in each of the standard Medicare supplement plans.

More information

Basic, including 100% Part B Coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing.

Basic, including 100% Part B Coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing. MUTUAL OF OMAHA INSURANCE COMPANY OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE BENEFIT PLANS A, F, AND G This chart shows the benefits included in each of the standard Medicare supplement plans.

More information

2015 Outline of Medicare Supplement Coverage Cover Page (1 of 2) Plans A, F & N

2015 Outline of Medicare Supplement Coverage Cover Page (1 of 2) Plans A, F & N BlueCross BlueShield of Georgia Administrative Office: P.O. Box 9063, Oxnard, CA 93031-9063 Toll Free Telephone Number: 1-888-211-9817 2015 Outline of Medicare Supplement Coverage Cover Page (1 of 2) Plans

More information

OUTLINE OF COVERAGE. Regence Bridge. Medicare Supplement (Medigap) Plans

OUTLINE OF COVERAGE. Regence Bridge. Medicare Supplement (Medigap) Plans OUTLINE OF COVERAGE Regence Bridge Medicare Supplement (Medigap) Plans Regence BlueCross BlueShield of Utah is an Independent Licensee of the Blue Cross and Blue Shield Association 09713rep07355-ut UT

More information

Skilled Nursing Facility. Coinsurance. Skilled Nursing Facility. Coinsurance

Skilled Nursing Facility. Coinsurance. Skilled Nursing Facility. Coinsurance Equitable Life & Casualty Insurance Company Outline Of Medicare Supplement Plans Sold for Effective Date on or After June 1, 2010 These charts show the benefits included in each of the standard Medicare

More information

UNITED OF OMAHA LIFE INSURANCE COMPANY A Mutual of Omaha Company

UNITED OF OMAHA LIFE INSURANCE COMPANY A Mutual of Omaha Company UNITED OF OMAHA LIFE INSURANCE COMPANY A Mutual of Omaha Company OUTLINE OF MEDICARE S UPPLEMENT COVERAGE COVER PAGE BENEFIT PLANS A, F AND G These charts show the benefits included in each of the standard

More information

2015 Benefit Chart of Medicare Supplement Plans Outline of Coverage 1-888-708-0123 mhinsurance.com

2015 Benefit Chart of Medicare Supplement Plans Outline of Coverage 1-888-708-0123 mhinsurance.com 2015 Benefit Chart of Medicare Supplement Plans Outline of Coverage 1-888-708-0123 mhinsurance.com MEMBERS HEALTH INSURANCE COMPANY Home Office: P.O. Box 1424, Columbia, TN 38402-1424 1-888-708-0123;

More information

Plan F & Plan F* Skilled Nursing Facility Coinsurance Part A Deductible Part B. Deductible. Part B Excess (100%) Foreign Travel Emergency

Plan F & Plan F* Skilled Nursing Facility Coinsurance Part A Deductible Part B. Deductible. Part B Excess (100%) Foreign Travel Emergency Outline of Medicare Supplement Coverage By Reason of Age Cover Page: Benefit Plans A, F, High F and N See Outlines of Coverage sections for detail about all plans. This chart shows the benefits included

More information

MUTUAL OF OMAHA INSURANCE COMPANY OUTLINE OF MEDICARE SUPPLEMENT COVERAGE - COVER PAGE 1 BENEFIT PLANS A, C, D, F AND G

MUTUAL OF OMAHA INSURANCE COMPANY OUTLINE OF MEDICARE SUPPLEMENT COVERAGE - COVER PAGE 1 BENEFIT PLANS A, C, D, F AND G OUTLINE OF MEDICARE SUPPLEMENT COVERAGE - COVER PAGE 1 BENEFIT PLANS A, C, D, F AND G These charts show the benefits included in each of the standard Medicare supplement plans. Every company must make

More information

Medicare Supplement Insurance Plans

Medicare Supplement Insurance Plans Medicare Supplement Insurance Plans Choosing the right Medicare Supplement plan for You. 0714 NJ Not so surprisingly, seniors have questions about health care - especially Medicare. Even with all of the

More information

2015 Outline of Medicare Supplement Coverage Cover Page (1 of 2) Plans A, F & N

2015 Outline of Medicare Supplement Coverage Cover Page (1 of 2) Plans A, F & N nthem Blue Cross and Blue Shield Connecticut dministrative Office: 370 Bassett Road, North Haven, CT 06473 Toll Free Telephone Number: 1-800-238-1143 2015 Outline of Medicare Supplement Coverage Cover

More information

Skilled Nursing Facility Coinsurance Part A Deductible Part A Deductible Part A Deductible Part A Deductible Part A Deductible

Skilled Nursing Facility Coinsurance Part A Deductible Part A Deductible Part A Deductible Part A Deductible Part A Deductible BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA An Independent Licensee of the Blue Cross and Blue Shield Association OUTLINE OF BLUE SELECT COVERAGE COVER PAGE 1 of 2: BENEFIT PLANS TRADITIONAL A and BLUE

More information

Medicare Supplement Y0076_PDP 201210R SUP FF BRO FILE & USE 10012011 2012 CY

Medicare Supplement Y0076_PDP 201210R SUP FF BRO FILE & USE 10012011 2012 CY Medicare Supplement Y0076_PDP 201210R SUP FF BRO FILE & USE 10012011 2012 CY Live life healthy. Live life secure. Is Original Medicare enough to meet your needs? With Original Medicare you are covered

More information

Basic, including 100% Part B coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing.

Basic, including 100% Part B coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing. UNITED WORLD LIFE INSURANCE COMPANY A Mutual of Omaha Company OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE BENEFIT PLANS A, B, C, D, F, G, M AND N These charts show the benefits included in each

More information

Hospitalization and preventive care paid at 100%; other basic benefits paid at 50% 50% Skilled Nursing Facility. coinsurance.

Hospitalization and preventive care paid at 100%; other basic benefits paid at 50% 50% Skilled Nursing Facility. coinsurance. Sentinel Security Life Insurance Company Administrative Office P.O. Box 16960, Clearwater, FL 33766-6960 (888) 510-0668 Outline of Medicare Supplement Coverage Cover Page Benefit Plans A, B, C #, D #,

More information

Health plans for every body

Health plans for every body Health plans for every body Supplemental coverage for Medicare members Medicare modahealth.com/medicare Available April 1 through Dec. 31, 2015 Hello. Welcome to Moda Health, the place you go when you

More information

MEDICARE SUPPLEMENT OUTLINE OF BENEFIT COVERAGE

MEDICARE SUPPLEMENT OUTLINE OF BENEFIT COVERAGE Shaded Sections show Benefit Plans A, B, C, F, High Deductible F*, M and N which are available These charts show the benefits included in each of the standard Medicare Supplement plans. Every company must

More information

Skilled Nursing Facility. Coinsurance. Skilled Nursing Facility. Coinsurance

Skilled Nursing Facility. Coinsurance. Skilled Nursing Facility. Coinsurance Equitable Life & Casualty Insurance Company Outline Of Medicare Supplement Plans Sold for Effective Date on or After June 1, 2010 These charts show the benefits included in each of the standard Medicare

More information

MEDICARE SUPPLEMENT COVERAGE PENNSYLVANIA

MEDICARE SUPPLEMENT COVERAGE PENNSYLVANIA MEDICARE SUPPLEMENT COVERAGE PENNSYLVANIA The Insurance Plans of Choice for Medicare Supplemental Coverage Philadelphia American Life Insurance Company P.O. BOX 4884 Houston, TX 77210-4884 Plan Form Standard

More information

2015 MEDICARE SUPPLEMENT INSURANCE (MEDIGAP) CONSUMER GUIDE MEDICARE INFORMATION OFFICE DEVELOPMENT

2015 MEDICARE SUPPLEMENT INSURANCE (MEDIGAP) CONSUMER GUIDE MEDICARE INFORMATION OFFICE DEVELOPMENT 2015 MEDICARE SUPPLEMENT INSURANCE (MEDIGAP) CONSUMER GUIDE STATE OF ALASKA DEPARTMENT OF COMMERCE, COMMUNITY, AND ECONOMIC DEVELOPMENT DIVISION OF INSURANCE STATE OF ALASKA DEPARTMENT OF HEALTH AND SOCIAL

More information

What is a Medicare Advantage Plan?

What is a Medicare Advantage Plan? CENTERS FOR MEDICARE & MEDICAID SERVICES What is a Medicare Advantage Plan? A Medicare Advantage Plan (like an HMO or PPO) is a way to get your Medicare benefits. Unlike Original Medicare, in which the

More information

2015 2016 Medicare Supplement Premium Comparison Guide

2015 2016 Medicare Supplement Premium Comparison Guide State of Illinois Illinois Department on Aging 2015 2016 Medicare Supplement Premium Comparison Guide Chicago Area This publication has been created by Illinois SHIP with financial assistance, in whole

More information

A B C D F F* G K L M N. Basic, including 100% Part B Coinsurance. Part B. Skilled Nursing Facility Coinsurance Part A Deductible Part B

A B C D F F* G K L M N. Basic, including 100% Part B Coinsurance. Part B. Skilled Nursing Facility Coinsurance Part A Deductible Part B This chart shows the benefits included in each of the standard Medicare supplement plans sold for effective dates on or after June 1, 2010. Every company must make Plan A available. Blue Cross and Blue

More information

Regence Bridge. Medicare Supplement (Medigap) Plans

Regence Bridge. Medicare Supplement (Medigap) Plans DECISION GUIDE Regence Bridge Medicare Supplement (Medigap) Plans Regence BlueCross BlueShield of Utah is an Independent Licensee of the Blue Cross and Blue Shield Association 09708rep07356-ut UT Learn

More information

2014 Outline of Medicare Supplement Coverage Cover Page (1 of 2) Plans A, F & N

2014 Outline of Medicare Supplement Coverage Cover Page (1 of 2) Plans A, F & N BlueCross BlueShield of Georgia Administrative Office: P.O. Box 9063, Oxnard, CA 9303-9063 Toll Free Telephone Number: -888-2-987 204 Outline of Medicare Supplement Coverage Cover Page ( of 2) Plans A,

More information

Simply BLUE MEDICARE SUPPLEMENT PLANS SR BRO 2015

Simply BLUE MEDICARE SUPPLEMENT PLANS SR BRO 2015 Simply BLUE MEDICARE SUPPLEMENT PLANS 2015 SR BRO 2015 Simply BLUE Table of Contents Standard Benefit Offerings...2 Disclosures...3 Important Facts to Consider...4 Supplement Plan Premiums...5 Benefit

More information

Aetna Individual Medicare Supplement PlanSM

Aetna Individual Medicare Supplement PlanSM Aetna Individual Medicare Supplement PlanSM Aetna Life Insurance Company Outline of Medicare Supplement Coverage Benefit Plans A, B and F OOC-MD 18.02.312.1 MD (8/04) Outline of Medicare Supplement Coverage

More information

801501-MSP-A. Medicare Supplement

801501-MSP-A. Medicare Supplement 801501-MSP-A Medicare Supplement 1 Medicare supplement Not so surprisingly, seniors have questions about health care - especially Medicare. Even with all of the information out there you may still be wondering

More information

Simply BLUE MEDICARE SUPPLEMENT PLANS SR BRO 2013.1.A

Simply BLUE MEDICARE SUPPLEMENT PLANS SR BRO 2013.1.A Simply BLUE MEDICARE SUPPLEMENT PLANS 2013 SR BRO 2013.1.A Simply BLUE Table of Contents Standard Benefit Offerings... 2 Disclosures... 3 Important Facts to Consider... 4 Supplement Plan Premiums... 5

More information

Shopping for Medicare Supplement Insurance Vermont Consumer Handbook January 2011

Shopping for Medicare Supplement Insurance Vermont Consumer Handbook January 2011 VERMONT DEPARTMENT OF BANKING, INSURANCE, SECURITIES AND HEALTH CARE ADMINISTRATION Shopping for Medicare Supplement Insurance Vermont Consumer Handbook January 2011 OTHER FORMATS FOR THIS PUBLICATION

More information