Medicare Supplement Plan B | Medigap Plan B | Coverage & Details

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Medicare Supplement Plan B
Medicare Supplement Plan B is the second most basic Medicare Supplemental Insurance plan, and covers only few benefits as compared with other Medicare supplement policies. Medicare Supplement Plan B is not a very popular Medigap Plan due to the close similarity between some of the other Medicare Supplements. By the time you compare monthly premium costs on Medicare Supplement Plan B with similar plans, like Plan N or Medigap Plan D, you will find that the cost is not much different, although you can add a few extra well-worth-it benefits for your money.

Today, there are not too many companies that offer the Medicare Plan B due to this reason, although if you have done your research and feel the Plan B is suitable for your needs--by all means go for it. Due to the fact that all Medicare Supplement Policies are standardized (have the same coverage), it is important that you shop around the various insurance companies to ensure you have the lowest cost Medigap Plan B that is available on the market. If you pay even $20 more per month with one company as opposed to another, you are simply paying more--there are no greater benefits or coverage.

Medigap Plan B | Part A Coverage MEDICARE (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.
HOSPITALIZATION: Semi-private room and board, general nursing and miscellaneous services and supplies.
Services		Medicare Pays	Plan Pays	You Pay
First 60 days		All but $1,184	$1,184 (Part A Deductible)	$0
61st through 90th day		All but $296 a day	$296 a day	$0
91st day and after:
While using 60 lifetime reserve days		All but $592 a day	$592 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
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.
Services	Medicare Pays		Plan Pays	You Pay
First 20 days	All approved amounts		$0	$0
21st through 100th day	All but $148 a day		$0	Up to $148 a day
101st day and after	$0		$0	All costs
BLOOD:
Services	Medicare Pays		Plan Pays	You Pay
First 3 pints	$0		3 pints	$0
Additional amounts	100%		$0	$0
HOSPICE CARE: You must meet Medicare's requirements including a doctor's certification of terminal illness.
Services	Medicare Pays		Plan Pays	You Pay
Hospice care	All but very limited copayment / coinsurance for out-patient drugs and inpatient respite care		Medicare copayment / coinsurance	$0
**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 B | Part B Coverage MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR
Once you have been billed $147 of Medicare-Approved amounts for covered services your Medicare Part B Deductible will have been met for the calendar year.
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.
Services	Medicare Pays	Plan Pays	You Pay
First $147 of Medicare Approved Amounts	$0	$0	$147 (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
BLOOD:
Services	Medicare Pays	Plan Pays	You Pay
First 3 pints	$0	All costs	$0
Next $147 of Medicare Approved Amounts	$0	$0	$147 (Part B Deductible)
Remainder of Medicare Approved Amounts	80%	20%	$0
CLINICAL LABORATORY SERVICES:
Services	Medicare Pays	Plan Pays	You Pay
Tests for Diagnostic Services	100%	$0	$0

 

MEDICARE PARTS  A & B
HOME HEALTH CARE: Medicare Approved Services.
Services	Medicare Pays	Plan Pays	You Pay
Medically necessary skilled care services and medical supplies	100%	$0	$0
Durable medical equipment:
First $147 of Medicare Approved Amounts	$0	$0	$147 (Part B Deductible)
Remainder of Medicare Approved Amounts	80%	20%	$0

 

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