|
Supplemental
Coverage: Basic vs. Extended Basic
Supplemental
insurance is meant to add to your Medicare coverage, not to
replace any part of Medicare coverage. Regardless of the policy
or plan you choose, you will pay a premium (annually or monthly)
for Medicare supplemental insurance, which will vary depending
on the amount of coverage you buy. This is in addition to
your Part B Medicare premium.
Private
insurance companies offer two types of Medigap policies: Basic
and Extended Basic. The following table describes the benefits
provided by each of the plans.
|
Medigap Benefits
|
Basic
|
Extended Basic
|
|
Basic
benefits (Part A & Part B co-insurance
and first 3 pints of blood each year)
|
X
|
X
|
|
Part
A: Inpatient hospital deductible
|
|
X
|
|
Part
A: Skilled nursing facility co-insurance
|
X
|
X
|
|
Part
B: Annual deductible
|
|
X
|
|
Foreign
travel emergency
|
X
|
80%
|
|
Outpatient
mental health
|
X
|
50%
|
|
Usual
& Customary fees
|
|
80%
|
|
Immunization
& Routine cancer screening
|
X
|
X
|
| Prescription
drugs |
X
|
X
|
| At-home
recovery |
|
X
|
| Physical
therapy |
X
|
20%
|
Coverage
while in a foreign county
|
|
80%
|
|
Pays
100% of out-of-pocket expenses after you pay the first
$1,000 annually.
|
|
X
|
Information
from the MN Department of Commerce.
Print
Page | Back
Martinson
Insurance
518 Hawthorne Street • PO Box 8
Alexandria, MN 56308
Phone: 320-763-6518
Toll Free: 800-757-6518
Fax: 320-763-5546
E-mail: agency@martinsoninsurance.com
Web: www.martinsoninsurance.com |
