United Health Care branded Plan L Supplement Medicare Connecticut
This post will give some information about the United Health Care branded Plan L Supplement Medicare Connecticut. In fact, AARP Medicare Supplements offered through United Healthcare currently have the lowest monthly premiums in Connecticut. Medicare Supplements (also called Medigap) are standardized in Connecticut which means the benefits are uniform from company to company. Plan L covers 75% of the cost share that Medicare A and B does not cover. This means that plan L will cover 75% of the inpatient hospital deductible from Part A of Medicare and 75% of the Part B co-insurance. (Medicare Part B has 20% coinsurance).
Plan L does not cover the part B deductible which is $144.00 one time per year. It also does not cover part B excess over 100% and excludes coverage for foreign travel emergency. The plan is still very solid and like all supplements, allows you to go to any doctor you choose as long as they accept Medicare. The premium for plan L is $114.00 a month. This cost should be compared to Plan N ($147.00) a month and Plan F ($221.00 a month). In many cases, the math will come out better on the plan L as compared to the F or N. You will see this is the case when you factor in the premium savings.
Bottom line: Once Plan L covers 75% of the part B coinsurance, it will leave very small charges for doctors visits in the $8 to $12 range. An inpatient stay would cost more as Plan L will cover 75% of the Part A deductible leaving the insured with $304 to pay out of the total charge of $1,216.00.
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