Basic Benefits Part A & B

PLAN COVERAGE’S

When you are looking at a companies plans of coverages or benefits, remember that Medicare has set the benefits. All companies will provide the same benefits.

All plans will provide the basic benefits as required from Medicare. The different level of benefits are provided by Plans A through K. Plan A we will not provide as we feel it is not in your best interest. Plans B through G are the most common. Plans H, I, & J no longer provide drug coverage after Jan. 1, 2006. Plans L & K benefits do not justify themselves.

Choosing the proper plan to meet your needs is a matter of preference. When comparing plans, look at what they cover and will you need or use the benefits provided. To obtain more details regarding Medicare benefits, please request a consumers buying guide from us. This is a free guide published by Medicare. It will provide more in depth details regarding benefits than are practical on a web page. You may also use these links to see the guide in a PDF format http://www.medicare.gov/Publications/Pubs/pdf/02110.pdf also http://www.medicare.gov/Publications/Pubs/pdf/02110.pdf

Plan B

Plan B is the most often preferred plan. It will provide the coverage you need at the best price. The $135 Part B deductible is not covered. It is paid by you when you first use Medicare for each new year.  The $1,024 Part A deductible for the hospital is covered. The plan does not provide benefits beyond the first 20 days of Skilled Nursing Care. Beyond day 20 the daily cost is $128. per day ( The average stay is 2 > 3 weeks ) 

Plan C

Plan C is the second most purchased plan. It will provide both part A & B deductibles. It also covers the cost of $128. per day for Skilled Nursing Care from days 21 > 100. As a side benefit, it also provides some foreign travel benefits for emergency care.

Plan F

Many individuals want the plan that covers everything. When they purchase the best they are referring to Plan F and adding the benefit of having excess charges covered. That is the only difference from the Plan C. Providers are allowed to charge an additional 15% over and above what Medicare approves for a procedure. This seldom happens but it can happen. Should it occur, it normally would be from a specialist. Most providers do not want to spend the time trying to collect the small difference.

The other plans are variations of the 3 mentioned. Please look over the guides to review the differences.

E-mail us @