Not connected with or endorsed by the United States government or the Federal Medicare program. 12 Standardized Medicare Supplement Plans - A through L
Medicare has standardized supplement plans to limit confusion when comparing coverage offered by different companies. Consumers can now easily compare the benefits and the cost associated with each plan. How To Read the Medicare Supplement Comparision Chart If a check mark appears in the column, this means that the Medigap policy covers that benefit up to 100% of the Medicare-approved amount. If a column lists a percentage, this means the Medigap policy covers that benefit at that percentage rate of the Medicare-approved amount. If no percentage appears or if the column is blank, this menas the Medigap policy doesn't cover that benefit. Note: The coverage of coinsurance only begins after you have paid the deductible.
Medigap Benefit A B C D E F* G H I J* K L Medicare Part A Coinsurance and Medigap Coverage for Hospital Benefits Medicare Part B Coinsurance or Copayment 50% 75% Blood (First Three Pints) 50% 75% Hospice Care Coinsurance or Copayment                     50% 75% Skilled Nursing Coinsurance     50% 75% Medicare Part A Deductible       Medicare Part B Deductible                   Medicare Part B Excess Charges                     Foreign Travel Emergency (Up to Plan Limits)         At-Home Recovery (Up to Plan Limits)                 Preventive Care Coinsurance (Included in the Part B Coinsurance) Preventive Care not Covered by Medicare (up to $120)                     2008 out-of-pocket limit: $4,400** $2,220** *Plans F and J also have a high deductible option. You must pay the first $1,900 (deductible in 2009) in Medigap-covered costs before the Medigap policy pays anything. You must also pay a spearate deductible for foreign travel emergency ($250 per year). **After you meet your out-of-pocket yearly limit and your $135 yearly Part B deductible, the plan pays 100% of covered services for the rest of the calendar year.

Basic Benefits
• Coinsurance for days 61-90 ($256 per day) and days 91-150 ($534 per day) in hospital
• Payment in full for 365 additional hospital days
• 20% coinsurance for physician and other Medicare Part B services

Medicare Part A Hospital Deductible
• The 2009 deductible is $1068

Skilled Nursing Facility (SNF) Coinsurance
• $133.50 a day for days 21-100 in a Skilled Nursing Facility in 2009

Medicare Part B Yearly Deductible
• The 2009 deductible is $135

Medicare Part B Excess Charges
• Difference between doctor's charge and Medicare's approved amount
• Up to 15% above the Medicare approved charge which is the doctor’s maximum charge

Foreign Travel Emergency
• Pays 80% of the cost of emergency care during the first two months of each trip after you pay a $250 deductible
• Lifetime maximum of $50,000

At-Home Recovery
• While receiving skilled home care, extra home health aide visits
• Home health aides up to eight weeks after skilled care is no longer needed
• Maximum of $40 per visit to 40 visits, total of $1,600 per year

Preventive Care
• Up to $120 per year for preventive services ordered by doctor