Medicare
Supplement Policies
For what Medicare does NOT pay
for.
We market Medicare
Supplement Policies in Delaware Only.
What is the risk without a
Supplement Policy? You Pay:
Part A
Deductible, Part B Deductible Skilled Nursing Co-Insurance, Part B Excess, Foreign Travel Emergency, At Home Recovery…
These could add up to tens of thousands of
dollars in medical bills not covered by Medicare.
Medicare Supplements are private insurance policies that supplement Medicare benefits by covering co-payments and deductibles for some medical and hospital expenses. These policies do not provide coverage for personal or custodial care.
With rising medical expenses, Medicare Supplement
insurance is a smart alternative to help pay many of the costly out-of-pocket
medical expenses you may encounter.
Delaware Dept. of Insurance list of Medicare Companies in DE
Price sampling from our top carriers in Delaware
Plan A =
$75.00
Plan B =
$86.00
Plan C =
$121.00
Plan D =
$111.00
Plan F =
$124.00
Plan G =
$139.00
For
all other ages, rates & availability, please call; 302-477-1557.
GLOSSARY ***
At-Home Recovery: A benefit that
covers additional home care if you are already getting Medicare-covered home
health services. It pays up to $40 a visit and $1,600 a year.
Benefit Period: The way that Medicare measures your use
of hospital and skilled nursing facility services. A benefit period begins the
day you go to a hospital or skilled nursing facility. The benefit period ends
when you have not received hospital or skilled nursing care for 60 days in a
row. A new benefit period begins if you go to the hospital the day after a
benefit period ends. You must pay the inpatient hospital deductible for each
benefit period. There is no limit to the number of benefit periods you can have.
Coinsurance: The percent of the Medicare Eligible
Expense that you have to pay after you pay the deductible for Part A and/or
Part B.
Deductible: The amount you must pay for health care,
before Medicare begins to pay, either for each benefit period for Part A, or
each year for Part B. The deductible for Plan F+ applies to both Part A and
Part B. These amounts change every year.
Foreign Travel Emergency: This benefit could save
you money if you travel outside the
Medicare Eligible Expense: The fee Medicare
sets as reasonable for a covered medical service. It is the amount that you and
Medicare pay to a doctor or supplier for a service or supply. It may be less
than the actual amount charged by a doctor and supplier.
Part B Excess: Under federal law, doctors who do not
accept Medicare's payment as payment in full ("assignment"), may
charge up to 15% more than the approved amount. This benefit may be beneficial
if your doctor does not accept assignment or if you stay in a hospital with the
inability to control whether the doctor accepts assignments.
Skilled Nursing Facility: A facility that
provides skilled nursing or rehabilitation services to help you recover after a
hospital stay.
Skilled Nursing Coinsurance: You may want to
consider this benefit if you need to go to a Skilled Nursing Facility after a
hospital stay and stay in the skilled nursing facility longer than 20 days.
NOTE:
Not all of our products are available
in all states where we are licensed. The above plans have exclusions and terms
under which the plans may be continued in force. Availability, Features,
Benefits and Options may vary by state. Please call 302-477-1557 for plans'
specifics, costs and complete details, to determine the right plan for you.
**
Source: www.medicare.gov , Medicare Basics, 2001.
***Source: Choosing a Medigap Policy, Health Care Financing Administration,
2001.
This is not a guarantee of coverage or
premium. For illustrative purposes
only. Please consult an agent.