Medicare Supplement - High Deductible Plan F

Medicare Supplement – High Deductible Plan F

By Ed Crowe | Agent blog Medicare Sales for Agents | 0 comment | 29 July, 2015 | 0

Medicare Supplement – High Deductible Plan F

High deductible Plan F includes cost-sharing features that allow you to save on premiums while you still receive dependable coverage.

In fact, The high deductible Medicare Supplement insurance plan pays the same benefits as Plan F AFTER you have paid a calendar-year $2,180 deductible. Benefits from the High Deductible Plan F will not begin until out-of-pocket expenses are $2,180.

What’s included?

Your $1,260 Part A deductible and also coinsurance
The cost of 365 extra days of hospital care during your lifetime after Medicare coverage ends
$147 Part B Medicare deductible
Your Part B coinsurance and the cost of the first three pints of blood
100 percent of Part B physician charges that are in excess of the Medicare-approved amount (by law no physician may charge more than 115 percent of Medicare-approved amounts).
Skilled nursing facility copayment
Hospice care
Not to mention, Foreign travel emergency care
You can watch our webinar to learn about low cost health insurance

Medicare Part A Coverage:

— While using 60 Lifetime Reserve days — Once you use Lifetime Reserve days: Additional 365 daysAll but $630 a day$0$630 a day100% ofMedicare-eligibleexpenses$0$0***

Services	Medicare Pays	After You Pay $2,180 Deductible**, Plan Pays	After You Pay $2,180 Deductible**, You Pay
HOSPITALIZATION*: Semi-private room and board, general nursing, and miscellaneous services and supplies
First 60 days	All but $1,260	$1,260 (Part A Deductible)
61st through 90th day	All but $315 a day	$315 a day	$0	91st day and after:	Beyond the additional 365 days	$0	$0	All costs	SKILLED NURSING FACILITY CARE*: You must meet Medicare’s requirements, including having been in a hospital for at least three days and entered a Medicare-approved facility within 30 days after leaving the hospital	First 20 days	All approved amounts	$0	$0	21st through 100th day	All but $157.50 a day	Up to $157.50 a day	$0	101st day and after	$0	$0	All costs	BLOOD	First three pints	$0	Three pints	$0	Additional amounts	100%	$0	$0	HOSPICE CARE: You must meet Medicare’s requirements, including a doctor’s certification of terminal illness	All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care	Medicare copayment/coinsurance	$0

Medicare Part B:

Services	Medicare Pays	After You Pay $2,180 Deductible**, Plan Pays	After You Pay $2,180 Deductible**, You Pay
MEDICAL EXPENSES—IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physicians’ services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment
First $147 of Medicare-approved amounts*	$0	$147 (Part B deductible)
Remainder of Medicare-approved amounts	Generally 80%	Generally 20%	$0	PART B EXCESS CHARGES (above Medicare-approved amounts)
	$0	100%	$0
BLOOD
First three pints	$0	All costs	$0
Next $147 of Medicare-approved amounts*	$0	$147 (Part B deductible)	$0
Remainder of Medicare-approved amounts	80%	20%	$0
CLINICAL LABORATORY SERVICES—TESTS FOR DIAGONOSTIC SERVICES
	100%	$0	$0

Medicare Supplement – High Deductible Plan F