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2017 MEDICARE SUPPLEMENT COMPARISON GUIDE

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This table shows basic

This table shows basic information about the different benefits that Medigap policies cover. If a percentage appears, the Medigap plan covers that percentage of the benefit and you must pay the rest. Medicare Supplement Insurance (Medigap) Plans Benefits A B C D F* G K L M N Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used) 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Medicare Part B coinsurance or copayment 100% 100% 100% 100% 100% 100% 50% 75% 100% 100% *** Blood (first 3 pints) 100% 100% 100% 100% 100% 100% 50% 75% 100% 100% Part A hospice care coinsurance or 100% 100% 100% 100% 100% 100% 50% 75% 100% 100% copayment Skilled nursing facility care 100% 100% 100% 100% 50% 75% 100% 100% coinsurance Part A deductible 100% 100% 100% 100% 100% 50% 75% 50% 100% Part B deductible 100% 100% Part B excess charges 100% 100% Foreign travel emergency (up to 80% 80% 80% 80% 80% 80% plan limits) Out-of-pocket limit in 2017 ** $5,120 $2,560 * Plan F is also offered as a high-deductible plan by some insurance companies. If you choose this option, this means you must pay for Medicare-covered costs (coinsurance, copayments, deductibles) up to the deductible amount of $2,200 in 2017 before your policy pays anything. ** For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible ($183 in 2017), the Medigap plan pays 100% of covered services for the rest of the calendar year. *** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in an inpatient admission. 8

Medicare Supplement/Medigap Insurance Policy Comparison Checklist Does the policy cover: Medicare Part A hospital deductible? Medicare Part A hospital daily coinsurance?* Hospital care beyond Medicare’s 150-day limit?* Skilled nursing facility (SNF) daily coinsurance? SNF care beyond Medicare’s limits? Medicare Part B annual deductible? Medicare Part B coinsurance?* Physician & supplier charges in excess of Medicare’s approved amounts? Medicare blood deductibles?* POLICY#1 POLICY#2 POLICY#3 Yes No Yes No Yes No • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • Other Policy Considerations: Can the company cancel or renew the policy? • • • • • • What are the policy limits for covered services? How much is the annual premium? How often can the company raise the premium? How long before existing health problems are covered? Does the policy have a waiting period before any benefits will be paid? If so, how long? *Louisiana requires these benefits be included in all newly issued Medigap policies. 9

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