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Click on the links below for information on any Modernized Medicare Supplement Policy:

Medicare Supplement

Plan A

Plan B

Plan C

Plan D

Plan F

Plan G

Plan K

Plan L

Plan M

Plan N

Medicare Supplemental Plan D

Medicare Supplement Insurance Plan D covers most of the high risk areas not covered by Medicare Insurance. A Medicare Supplemental Plan D can sometimes be less expensive than other more comprehensive plans such as Medigap Plan J or Medigap Plan F but leaves gaps in coverages that these other plans don’t.

Medicare Insurance Recipients who choose Medicare Supplemental Plan D often do so because they don’t feel they need coverage for the Part B Deductible, Preventative Care and Part B Excess Charges and wish to save money on their premium by taking lesser coverage. Before purchasing a Medicare Supplement Plan D, make sure to compare rates on more comprehensive Medicare Supplement Insurance Plans such as Medigap Plan F or J. Often by shopping different Medicare Supplemental Insurance Companies you can find a more comprehensive Medicare Supplement Plan for at lower rates.

Covered by Medicare Supplemental Plan D

Basic Benefits:

* Part B Coinsurance (Generally 20% of outpatient expenses)
* Hospital Coinsurance
* 365 Additional Days Hospitilization Coverage
* Blood Deductible Coverage

Skilled Nursing Coinsurance

Part A Deductible

Foreign Travel

At Home Recovery

Not Covered by Medicare Supplement Plan D

• Part B Deductible
• Part B Excess
• Preventative Care

Medigap Plan D is only recommended on very rare occasions. For most people, you are better off with a more comprehensive Medicare Supplement Plan such as Medicare Supplemental PlanF or J.

Medicare Supplement Plan D:

Medigap Plan D MEDICARE INSURANCE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD
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:
MEDICARE INSURANCE PAYS		PLAN PAYS	YOU PAY
First 60 days	All but $1132	$1132 (Part A Deductible)	$0
61st through 90th day	All but $283 a day	$283 a day	$0
91st day and after:
While using 60 lifetime reserve days	All but $566 a day	$566 a day	$0
Once lifetime reserve days are used:
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:
First 20 days	All approved amounts	$0	$0
21st through 100th day	All but $141.50 a day	Up to $141.50 a day	$0
101st day and after	$0	$0	All costs
Service:	BLOOD
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.
	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.
Medigap Plan D MEDICARE INSURANCE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR
Once you have been billed $162 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:
MEDICARE INSURANCE PAYS		PLAN PAYS	YOU PAY
First $162 of Medicare Approved Amounts	$0	$0	$162 (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 $162of Medicare Approved Amounts	$0	$0	$162 (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:
MEDICARE INSURANCE PAYS		PLAN PAYS	YOU PAY
Medically necessary skilled care services and medical supplies	100%	$0	$0
Durable medical equipment:
First $162 of Medicare Approved Amounts	$0	$0	$162 (Part B Deductible)
Remainder of Medicare Approved Amounts	80%	20%	$0
Service:	AT HOME RECOVERY SERVICES Home care certified by your doctor, for personal care during recovery from an injury or sickness for which Medicare approved a Home Care Treatment Plan:
Benefit for each visit	$0	Actual charges up to $40 per visit	Balance
Number of visits covered	$0	Up to the number of Medicare approved visits, not to exceed 7 each week	Balance
Calendar year maximum	$0	$1,600	Balance
OTHER BENEFITS - NOT COVERED BY MEDICARE INSURANCE
Service:	FOREIGN TRAVEL Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA:
First $250 each calendar year	$0	$0	$250
Remainder of charges	$0	80% to a lifetime maximum of $50,000	20% and amounts over the $50,000 lifetime maximum

OUTLINE OF MEDICARE COVERAGE

Benefit Chart of Medicare Supplement Plans Sold for Effective Dates as of June 1, 2010

Plan A	Plan B	Plan C	Plan D	F	F*	Plan G	Plan K	Plan L	Plan M	Plan N
Basic, including 100% Part B co-insurance.	Basic, including 100% Part B co-insurance.	Basic, including 100% Part B co-insurance.	Basic, including 100% Part B co-insurance.	Basic, including 100% Part B co-insurance.		Basic, including 100% Part B co-insurance.	Hospitalization and preventative care paid at 100%; other basic benefits paid at 50%	Hospitalization and preventative care paid at 100%; other basic benefits paid at 75%	Basic, including 100% Part B co-insurance.	Basic, including 100% Part B co-insurance except**
		Skilled Nursing Facility Co-insurance	Skilled Nursing Facility Co-insurance	Skilled Nursing Facility Co-insurance		Skilled Nursing Facility Co-insurance	50% Skilled Nursing Facility Co-insurance	75% Skilled Nursing Facility Co-insurance	Skilled Nursing Facility Co-insurance	Skilled Nursing Facility Co-insurance
	Part A Deductible	Part A Deductible	Part A Deductible	Part A Deductible		Part A Deductible	50% Part A Deductible	75% Part A Deductible	50% Part A Deductible	Part A Deductible
		Part B Deductible		Part B Deductible
				Part B Excess (100%)		Part B Excess (100%)
		Foreign Travel Emergency	Foreign Travel Emergency	Foreign Travel Emergency		Foreign Travel Emergency			Foreign Travel Emergency	Foreign Travel Emergency
							Out-of-Pocket limit at $4,620; paid at 100% after limit reached	Out-of-Pocket limit at $2,310; paid at 100% after limit reached

*Plan F also has an option called a high deductible Plan F. This high deductible plan pays the same benefits as Plan F after one has paid a calendar year $2,000 deductible. Benefits from high deductible plan F will not begin until out-of-pocket expenses exceed $2,000. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare deductibles for Part A and Part B, but do not include the plan’s separate foreign travel emergency deductible. **Plan N includes Basic, including 100% Part B co-insurance, except up to $20 copayment for office visit, and up to $50 copayment for ER.