2008 Medicare Supplemental Insurance coverage

Original Medicare Pays

F**

J**

Hospital Coinsurance Coinsurance for days 61-90 ($267) and days 91-150 ($534) in hospital; Payment in full for 365 additional lifetime days.

Part B coinsurance
Coinsurance for Part B services such as doctor's services, laboratory and x-ray services, durable medical equipment, and hospital outpatioent services.

50%

75%

First three pints of blood

50%

75%

Hospital Deductible
Covers $1,068 in each benefit period.

50%

75%

Skilled Nursing Facility (SNF) Daily Coinsurance
Days 1-20 you pay $0. Days 21-100 of each benefit period, you pay $133.50 per day. Afer that, you pay all expenses.

50%

75%

Part B Annual Deductible
Covers $135 per calendar year.

Part B Excess Charges Benefits
80% or 100% of Part B excess charges. (Under Federal law, the excess limit is 15% more than Medicare's approved charge when provider does not take assignment; Under New York State law, the excess limit is 5% for most services.)

100%

80%

100%

Emergency Care Outside the US
Covers 80% of emergency care costs during the first 60 days of each trip, after an annual deductible of $250, up to a maximum lifetime benefit of $50,000.

At-Home Recovery Benefit
Up to $40 each visit for custodial care after an illness, injury, or surgery, up to a maximum benefit of $1,600 a year.

Preventive Medical Care
100% of coinsurance for Part B-covered preventive care services after the Part B deductible has been paid.

Up to $120 a year for non-Medicare covered physicals, preventive tests and services.

Hospice Care
Coinsurance for respite care and other Part A-covered services.

50%

75%

Outpatient Prescription Drugs

Out-of-Pocket Maximum
Pays 100% of Part A and Part B coinsurance after annual maximum has been spent.

***
$4,620

***
$2,310

Medigap plans are standardized by the federal government. Not all plans may be available in your area.
Consider the benefits offered by each plan and look for one that best meets your individual needs.
**Plans F and J also offer high-deductible options. You pay $2,000 in 2009 before your coverage begins.
***After you pay the $135 Part B deductible, the plan pays 100% of covered services for the
rest of the plan year. Medicare Part A and Part B deductibles will change in 2010. The Part A Hospital Benefit Period Deductible will increase to $1,100, while the Part B Medical Deductible will increase to $155 per year. The Part B premium of $96.40 will remain the same for most beneficiaries, depending on income.