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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 L

Medicare Supplement Plan L offers many of the same basic benefits as other Medicare Supplement insurance plans, but provides you with a much lower monthly premium. In exchange for a lower premium, Plan L covers less of the copayments and coinsurance than other Medicare Supplement plans. As well, each plan offers an out-of-pocket maximum, which limits the amount you will pay annually.

Typically, Medicare Supplement Plan K offers a lower monthly premium than Plan L, but offers higher copayments and a higher annual out-of-pocket limit.

Medicare Supplement Plan L is a good option if you seek a Medicare Supplement policy with an affordable premium, but still want a reasonable amount of coverage for a wide variety of services. This plan is similar to Plan K, except it covers a higher percentage of your costs, offers a lower annual out-of-pocket amount and out-of-pocket limit,a slightly higher monthly premium.

Medicare Supplement Plan L Coverage:

• 100% Coverage for Part A hospitalization coinsurance, plus coverage for 365 days after Medicare benefits end
• 75% Hospice out-of-pocket cost sharing
• 75% of Medicare-eligible expenses for the first three pints of blood
• 75% Part B coinsurance, except for preventive care services, which are covered 100%
• 75% Coverage for Skilled Nursing Facility coinsurance
• 75% Coverage for your Medicare Part A Deductibles
• $2,310 out-of-pocket Annual Limit

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.