Our Products: Medicare Supplement Policies

We offer Medicare Supplement policies in all states and the District of Columbia except for Massachusetts, Minnesota, New Jersey, and New York. (plan availability varies by state). Below is an outline of coverage for selected Medicare Standardized plans.

Basic Benefits

• Hospitalization: Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.
• Medical Expenses: Part B coinsurance (generally 20% of Medicare approved expenses) or copayments for hospital outpatient services. Plans K, L, and N require insureds to pay a portion of the Part B coinsurance or copayment.
• Blood: First 3 pints of blood each year.
• Hospice: Part A coinsurance for eligible hospice/respite care expenses. See outline of coverage for details and exceptions.

Medicare Plans / Benefits Basic Benefits	A	B	C	F	F*	G*	N**
Hospitalization (Part A Coinsurance)						-
Medical Expenses (Part B Coinsurance)	100%	100%	100%	100%	100%	-	100%
Blood						-
Hospice						-
Skilled Nursing Facility Coinsurance	-	-				-
Part A Deductible	-					-
Part B Deductible	-	-				-	-
Excess Doctor Charges	-	-	-	100%	100%	-	-
Foreign Travel Emergency	-	-				-
Out-of-Pocket Annual Limit	-	-	-	-	-	-	-

*Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,340 in 2020 before your policy pays anything. (Plans C and F aren't available to people who are newly eligible for Medicare on or after January 1, 2020.)

**Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don't result in inpatient admission.

Some states require designated Medicare Supplement plans also be available to people under age 65 and eligible for Medicare due to disability (different application forms may be required). Policy benefits are identical for people over or under age 65. Premiums are generally based on age, gender, state/area.