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Senior Insurance Utah

Medicare Insurance Solutions: For Seniors By Seniors

Medicare Supplement Plan Comparison Chart













Modernized Medicare Supplement Benefit Information Updated for 2013

Medicare Part A Coinsurance and Hospital Benefits 


Medicare Part A Deductible 

-

50%

75%

50%

Medicare Part B Coinsurance or Co-payment 

50%

75%

Medicare Part B Deductible 

-

-

-


-

-

-

-

Medicare Part B Excess Charges 

-

-

-

-

-

-

-

-

Blood (First Three Pints) 


50%

75%

Foreign Travel Emergency (Up to Plan Limits)*** 

-

-

-

-

Hospice Care Coinsurance or Co-payment 

50%

75%

Preventive Care Coinsurance 



Skilled Nursing Coinsurance 

-

-

50%

75%


Out-of-Pocket Limit






$2070* 


$4,660****

$2,330****



* High Deductible Plan F pays NO Benefits until a $2,110 deductible is met.

*In some areas some companies will offer a Select Plan C & Select Plan F. The plans are the same as Plan C & Plan F except they will have network hospitals to use. Select Plan C & Select Plan F will have lower premiums. You may use any hospital in an emergency.

**Plan N pays Part B coinsurance or co-payment except for an insured copay of up to $20 for each doctor's office visit and up to $50 for each emergency room visit ( emergency room copay waived if admitted as an inpatient).

***You must also pay a separate deductible for foreign travel emergency care ($250 per year). The plan pays 80% after the $250 deductible up to the plans lifetime limit of $ 50,000

**** On plans K & L Only. After you meet your out-of-pocket yearly limit of $4660 on plan K and $2330 on plan L and your $140 yearly Part B deductible, the plan pays 100% of covered services for the rest of the calendar year. We don't recommend these plans for most people.

Basic Benefits

•Hospitalization Coinsurance for days 61-90 is ($289 per day) and days 91 and after while using lifetime reserve days is ($578 per day)

• Payment in full for 365 additional hospital days

• 20% coinsurance for physician and other Medicare Part B services

Medicare Part A Hospital Deductible

• The 2013 deductible is $1,184

Skilled Nursing Facility (SNF) Coinsurance

• $148.00 a day for days 21-100 in a Skilled Nursing Facility in 2013

Medicare Part B Yearly Deductible

• The 2013 deductible is $147.00

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

Part B Monthly Premium

The amount you pay for Part B, usually deducted from your monthly Social Security Benefit, starts at $ 104.90 for Individuals filing 2011 Federal Income Tax form 1040 of $ 85,000 or less and jointly $ 170,000 or less. As you AGI increases, your Part B premiums increase; $ 146.90, $209.80, $ 272..70 and op bracket premium of $ 335.70 for individuals with income over $ 214,000 and jointly income over $ 428,000

You will also pay a premium in addition to your Part D Prescription Drug Plan, based upon you income, ranging from $11.60 to $ 66.60 each month

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