Medicare Supplement Plan B Policy Coverage
| A | B | C | D | E | F | G | H | I | J |
Medicare Supplemental Plan B
Standardized Medicare Supplement Plan B is available in most states. It covers Basic Benefits as described below and Skilled Nursing Co-Insurance but nothing else. In some rare cases, the premium for a Medicare Supplemental Plan B may make it worth taking on the risk of those things not covered. However, most people find a better alternative than Medigap Plan B by choosing Medicare Supplement Insurance Plans D, G, H or I at a similar price when they shop around for Medicare Supplement Insurance.
An even better option is to Compare Rates on Medicare Supplement Plans F and J as they offer the most comprehensive coverage and often at prices similar or even less than the above mentioned plans.
Covered by Medicare Supplement Plan B
Basic Benefits:
* Part B Coinsurance (Generally 20% of outpatient expenses)
* Hospital Coinsurance
* 365 Additional Days Hospitilization Coverage
* Blood Deductible Coverage
Skilled Nursing Coinsurance
Not Covered by Medicare Supplemental Plan B
Part A Deductible
Part B Deductible
Part B Excess
Foreign Travel
At Home Recovery
Preventative Care
Medigap Plan B is rarely the best alternative but it is important to shop around to find what plans and premiums for Medicare Supplement Insurance that supplements your Medicare Insurance Coverage best at a price that you can afford.
To compare rates on multiple Medicare Supplemental Insurance Companies, simply fill out the form on the right or call today to speak with a Licensed Medicare Supplement Insurance Specialist at (888) 875-4463.
| Medigap Plan B MEDICARE INSURANCE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD |
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| A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row. | |||
| Service: | HOSPITALIZATION Semiprivate room and board, general nursing and miscellaneous services and supplies: |
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| MEDICARE INSURANCE PAYS | PLAN PAYS | YOU PAY | |
| First 60 days | All but $1068 | $1068 (Part A Deductible) | $0 |
| 61st through 90th day | All but $267 a day | $267 a day | $0 |
| 91st day and after: | |||
| While using 60 lifetime reserve days | All but $534 a day | $534 a day | $0 |
| Once lifetime reserve days are used: |
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| Additional 365 days | $0 | 100% of Medicare Eligible Expenses | $0 |
| Beyond the Additional 365 days | $0 | $0 | All costs |
| Service: | SKILLED NURSING FACILITY CARE You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare-approved facility within 30 days after leaving the hospital: |
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| First 20 days | All approved amounts | $0 | $0 |
| 21st through 100th day | All but $133.50 a day |
$0 |
Up to $133.50 a day |
| 101st day and after | $0 | $0 | All costs |
| Service: | BLOOD |
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| First 3 pints | $0 | 3 pints | $0 |
| Additional amounts | 100% | $0 | $0 |
| Service: | HOSPICE CARE Available as long as your doctor certifies you are terminally ill and you elect to receive these services. |
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| All but very limited coinsurance for outpatient drugs and inpatient respite care | $0 | Balance | |
| NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy's "Core Benefits." During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid. | |||
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| Medigap Plan B MEDICARE INSURANCE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR |
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| Once you have been billed $135 of Medicare-Approved amounts for covered services your Medicare Part B Deductible will have been met for the calendar year. | |||
| Service: | MEDICAL EXPENSES - In or Out of the Hospital and Outpatient Hospital Treatment, such as Physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment: |
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| MEDICARE INSURANCE PAYS | PLAN PAYS | YOU PAY | |
| First $135 of Medicare Approved Amounts | $0 | $0 | $135 (Part B Deductible) |
| Remainder of Medicare Approved Amounts | Generally 80% | Generally 20% | $0 |
| Part B Excess Charges (Above Medicare Approved Amounts) | $0 | $0 | All costs |
| Service: | BLOOD | ||
| First 3 pints | $0 | All cost | $0 |
| Next $135 of Medicare Approved Amounts | $0 | $0 | $135 (Part B Deductible) |
| Remainder of Medicare Approved Amounts | 80% | 20% | $0 |
| Service: | CLINICAL LABORATORY SERVICES | ||
| Blood tests for Diagnostic Services | 100% | $0 | $0 |
| MEDICARE INSURANCE PARTS A & B | |||
| Service: | HOME HEALTH CARE Medicare Approved Services: |
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| MEDICARE INSURANCE PAYS | PLAN PAYS | YOU PAY | |
| Medically necessary skilled care services and medical supplies | 100% | $0 | $0 |
| Durable medical equipment: | |||
| First $135 of Medicare Approved Amounts | $0 | $0 | $135 (Part B Deductible) |
| Remainder of Medicare Approved Amounts | 80% | 20% | $0 |