Medicare Supplement Plan J Policy Coverage
| A | B | C | D | E | F | G | H | I | J |
Medicare Supplemental Plan J
Medicare Supplement Insurance Plan J is the most comprehensive of all Medigap Policies. It covers all of the following gaps left by Medicare Part A and Medicare Part B.
Covered by Medicare Supplemental Insurance Plan J
1) Basic Benefits:
* Part B Coinsurance (Generally 20% of outpatient expenses)
* Hospital Coinsurance
* 365 Additional Days Hospitilization Coverage
* Blood Deductible Coverage
2) Skilled Nursing Coinsurance
3) Part A Deductible
4) Part B Deductible
5) Part B Excess
6) Foreign Travel
7) At Home Recovery
8) Preventative Care
Not Covered by Medicare Supplement Insurance Plan J
None of the 8 Gaps Left By Medicare Insurance and Covered by Medicare Supplement Insurance
All gaps are covered by the Most Comprehensive Medigap Plan J.
Medicare Insurance recipients looking for Comprehensive Medicare Supplemental Insurance cannot find better coverage than offered in Medigap Plan J. Most seniors who have a Medicare Supplemental Insurance Plan J enjoy the peace of mind of knowing that all charges approved by Medicare Part A and Medicare Part B will be covered 100%.
But just because Medicare Supplement Plan J has the most benefits of any Standardized Medicare Supplemental Insurance Plan does not mean it is the most expensive. By Comparing Medicare Supplement Insurance Rates and Plans with mulitple Insurance Companies, many have found Plan J for a lower premium than plans that cover much less.
To find the best rates on Medigap Plan J and other Medicare Supplemental Insurance Plans simply fill out the form to the right of this page or call today at (888) 875-4463 to enlist the help of a Licensed Medicare Supplement Insurance Specialist.
With a Medicare Supplement Plan J you never have to worry if a doctor or hospital charge will be covered. Simply show your Medicare Supplemental Plan J Insurance Card along with your Medicare Insurance Card and you will be covered 100%. Also, things not even covered by Medicare are covered as shown above. This is why we recommend Medigap Plan J a large percentage of the time.
You get peace of mind of knowing that you can seek out the best healthcare money can buy without ever having to worry about the cost of these life saving services.
Medicare Supplement Plan J:
| Medigap Plan J or High Deductible Plan J** 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. **This high deductible plan pays the same or offers the same benefits as PlanJ after you have paid a calendar year $1900 deductible. Benefits from the high deductible Plan F will not begin until out-of-pocket expenses are $1900. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the Medicare deductibles for Part A and Part B, but does not include the plan's separate foreign travel emergency deductible. |
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| 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 |
Up to $133.50 a day |
$0 |
| 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 J or High Deductible Plan J** 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. ** This high deductible plan pays the same or offers the same benefits as Plan J after you have paid a calendar year $1900 decutible. Benefits from the high deductible Plan F will not begin until out-of-pocket expenses are $1900. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the Medicare deductibles for Part A and Part B, but does not include the plan's separate foreign travel emergency deductible. |
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| 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 | $135 (Part B Deductible) | $0 |
| Remainder of Medicare Approved Amounts | Generally 80% | Generally 20% | $0 |
| Part B Excess Charges (Above Medicare Approved Amounts) | $0 | 100% | $0 |
| Service: | BLOOD | ||
| First 3 pints | $0 | All costs | $0 |
| Next $135 of Medicare Approved Amounts | $0 | $135 (Part B Deductible) | $0 |
| 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 | $135 (Part B Deductible) | $0 |
| Remainder of Medicare Approved Amounts | 80% | 20% | $0 |
OTHER BENEFITS - NOT COVERED BY MEDICARE INSURANCE |
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| Service: | FOREIGN TRAVEL Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA: |
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| 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 |