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Each year Medicare sets how much you pay for its premiums, deductibles, and co-payments for Part A & Part B. The table below show the rates for Part B in 2009:

The reason you purchase a Medicare Supplement is to fill or cover the Gaps and co-insurance left by Medicare Parts A & B. The table below shows the Medicare Part B premiums and is based on your last years tax return.

Part A Premiums:

Most people do not pay for Part A, because they have paid Medicare taxes for 40 or more quarters while working. Those with 30 to 39 quarters of covered employment can buy into Part A coverage. If you have  30-39 quarters paid into the system you will pay $244 a month in 2009. If you have less than 30 quarters of covered employment you will pay $443 for Part A in 2009.

Part B Premiums
Most people on Medicare will pay $96.40 a month for Part B in 2009. The Part B premiums did not change from the 2008 rates. Higher-income people will pay even more. The Part B premium will most often be deducted from your Social Security check. However, if you are not getting Social Security Benefits yet because you are not eligible, Medicare will bill you quarterly until you start receiving benefits.

 

Tax Return Income (Individual) Joint Tax Return Income (Married Couples) 2009 Monthly Part B Premium
Up to $85,000 Up to $170,000 $96.40
$85,001 to $107,000 $170,001 to $214,000 $134.90
$107,001 to $160,000 $214,001 to $320,000 $192.70
$160,001 to $213,000 $320,001 to $426,000 $250.50
Over $ 213,000 Over $426,000 $308.30

 

If you’re on Medicare before Jan. 1, 2009, you’ll be told at the end of 2008 about the 2009 rates. You'll also find out about any related changes in your Social Security benefits.  If you enroll after then and must pay the higher premium, you’ll hear shortly after enrolling.

Deductibles and Co-payments
Part A Deductible:
The 2009 Part A deductible is $1,068 per illness, up $44 from 2008.

Part B Deductible: The 2009 Part B deductible is $135, the same as it was in 2008.

Part A Co-payments: The Part A deductible covers the first 60 days of a Medicare-covered hospital stay. Then you pay $267 a day for days 61 through 90. After the 90th day, your co-pay for lifetime reserve days is $534 a day.


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There are only 12 Standardized Medicare Supplement plans “A” through “L” to choose from.

All of these plans are the same with every insurance company offering the plan.

Not all plans are offered by every insurance company...

The one you select can make a difference on how much your "out of pocket expenses" will be...

We help you make a wise choice...

Most of the time we recommend Medicare Supplement plan F or Medicare Supplement plan G highlighted in the chart below in yellow. But the choice is entirely up to you...

There are 12 standardized Medicare Supplement plans “A” through “L”.
The benefits of each plan are different, with the exception that all plans are required to cover the “Basic Benefits” which are identified below. Medicare standardized the plans in 1990 to limit the consumer’s confusion when comparing coverage offered by different insurance companies. With standardization, the consumer can easily compare the benefits and the cost between the different insurance companies offering the plans. The words "Medicare supplement" and MediGap plans are interchangeable and mean exactly the same thing. The descriptions of benefits of each of these plans are in the table below.

How to read the chart: If a check mark appears in the column, this means that the MediGap policy covers that benefit up to 100% of the Medicare-approved amount. If a column lists a percentage, this means the MediGap policy covers that benefit at that percentage rate of the Medicare-approved amount. If no percentage appears or if the column is blank, this means the MediGap policy doesn't cover that benefit. Note: The coverage of coinsurance only begins after you have paid the deductible on plans K & L. This does not apply to the Medicare Part B excess charges in Plan G.

Medicare Supplement Standardized Plan Summary. Choose a letter to see the plan summary.

A B C D E F G H I J K L

 

2009 Medicare Supplement Benefit
A
B
C
D
E
F*
G
H
I
J*
K
L
Medicare Part A Coinsurance and MediGap Coverage for Hospital Benefits
check
check
Medicare Part B Coinsurance or Co-payment
check
check
check
check
check
check
check
check
check
check
50%
75%
Blood (First Three Pints)
check
check
check
check
check
check
check
check
check
check
50%
75%
Hospice Care Coinsurance or Co-payment
 
 
 
 
 
 
 
 
 
 
50%
75%
Skilled Nursing Coinsurance
 
 
50%
75%
Medicare Part A Deductible
 
check
check
check
check
check
check
check
check
check
   
Medicare Part B Deductible
 
 
check
 
 
check
 
 
 
check
   
Medicare Part B Excess Charges
 
 
 
 
 
check 
80%
 
check
   
Foreign Travel Emergency (Up to Plan Limits)
 
 
check
check
check
check
   
At-Home Recovery (Up to Plan Limits)
 
 
 
check
 
 
check
 
check
   
Preventive Care Coinsurance (Included in the Part B Coinsurance)
check
check
Preventive Care not Covered by Medicare (up to $120)
 
 
 
 
 
 
 
 
   
2009 out-of-pocket limit:
$4,620** $2,310**
*Medicare Supplement Plans F and J also have a high deductible option. We don't recommend the high deductible plans. If you select the high deductible plans you have to pay the first $2,000 (deductible in 2009) in MediGap-covered costs before the MediGap policy pays anything. You must also pay a separate deductible for foreign travel emergency ($250 per year).

**After you meet your out-of-pocket yearly limit and your $135 yearly Part B deductible, the plan pays 100% of covered services for the rest of the calendar year.

 
Basic Benefits
• Coinsurance for days 61-90 ($267 per day) and days 91-150 ($534 per day) in hospital
• Payment in full for 365 additional hospital days
• 20% coinsurance for physician and other Medicare Part B services
 

Medicare Part A Hospital Deductible
• The 2009 deductible is $1068
 

Skilled Nursing Facility (SNF) Coinsurance
• $133.50 a day for days 21-100 in a Skilled Nursing Facility in 2009

Medicare Part B Yearly Deductible
• The 2009 deductible is $135

Medicare Part B Excess Charges
• Difference between doctor's charge and Medicare's approved amount
• Up to 15% above the Medicare approved charge which is the doctor’s maximum charge

Foreign Travel Emergency
• Pays 80% of the cost of emergency care during the first two months of each trip after you pay a $250 deductible
• Lifetime maximum of $50,000

At-Home Recovery
• While receiving skilled home care, extra home health aide visits
• Home health aides up to 40 visits after skilled care is no longer needed
• Maximum of $40 per visit to 40 visits per year, for total of $1,600 per year

Preventive Care
• Up to $120 per year for preventive services ordered by doctor
 


Publications:

Medicare at a Glance

Medicare & You

Choosing A MediGap Policy

Medicare's Guide to Preventive Services

Your Guide to what Medicare Part A & B Covers


 

HomeMedicare Supplement Plan Comparison Chart Before 06/01/2010 | Medicare Supplement Plan Comparison Chart For 2019| Medicare Supplement Quote Request | Contact Us

©Copyright 2019 The Medicare Channel All Rights Reserved. This website is a general description of benefits for Medicare Supplement plans. Although every effort is made as to the accuracy of the information on this website there is always the possibility of an error. If you see an error please contact us so we can correct it. The insurance policy will always determine benefits. Please contact us for an outline of coverage provided by each of the insurance companies we represent. Not all plans are available in all areas. If you submit a quote or information request a licensed agent will contact you. We engage in insurance sales only in the states in which we are properly licensed. We are currently licensed in AL, AR, AZ, CO, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, MO, MS, NE, NM, NC, OH, OK, SC, SD, PA, TN, TX, VA, WA & WV. Not affiliated with, authorized by or endorsed by the U.S. government or the federal Medicare program. For more information feel free to Contact Us.

   

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