The 75% co-pay applies to Medicare Part A & B deductibles as well as skilled nursing care co-insurance, your first 3 pints of blood and hospice care. Both Plans K & L include coverage for an additional 365 days of inpatient hospital care after other Medicare benefits are exhausted. The Out of Pocket thresholds for both plans K & L are indexed to inflation and may increase over time.
Medicare cost-sharing out-of-pocket maximum (once met, plan pays 100% all covered items) $4,440 and $2,220 core benefits pay the patient's share of Medicare's approved amount for physician services 20% after a $135 annual deductible, the patient's cost of a long hospital stay ($256/day for days 60-90, $512 for days 91-150, all approved costs not paid by Medicare after day 150 to a total of 365 days lifetime) and charges for the first three pints of blood not covered by Medicare.
Plans H, I and J with drug coverage included will not be availbe to new policyholders. These plans included prescription drug coverage in the past and will continue to be in force to existing policyholders. The new Plans H, I and J do not include prescription drug coverage. Of course, the Part D drug coverage can be purchased as a seperate policy.
Current policyholders may choose to remain in their existing plan H, I or J, or they may retain the plan without the drug benefit and enroll in Part D, or they may choose to change to a different Medicare supplement plan or enroll in a Medicare Advantage Plan.
Plans F and J have options called high deductibles, which pay the same or offer the same benefits as Plans F and J after the insured has paid a calendar year ($1,900) deductible. Benefits from high deductible plans F and J will not begin until out-of-pocket expenses reach $1,900. Out-of-pocket expenses for this deductible are expenses that ordinarily would be paid by the policy.
These expenses include the Medicare deductibles for Parts A and B, but do not include, in Plan J, the plan's separate prescription drug deductible or, in Plans F and J, the separate foreign travel emergency deductible.
Skilled Nursing Facility Coinsurance - For Days 21-100.
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