Section 26-A2220. REQUIRED DISCLOSURE PROVISIONS - OUTLINE OF COVERAGE REOUIREMENTS FOR MEDICARE SUPPLEMENT POLICIES

 

2220.1Issuers shall:

 

(a)Provide an outline of coverage to all applicants at the time the application is presented to the prospective applicant; and

 

(b)Except for direct response policies, obtain an acknowledgment of receipt of such outline from the applicant.

 

2220.2If an outline of coverage is provided at the time of application and the Medicare supplement policy or certificate is issued on a basis which would require revision of the outline, a substitute outline of coverage properly describing the policy or certificate shall:

 

(a)Accompany such policy or certificate when it is delivered; and

 

(b)Contain the following statement, in no less than twelve (12) point type, immediately above the company name:

 

"NOTICE: Read this outline of coverage carefully. It is not identical to the outline of coverage provided upon application and the coverage originally applied for has not been issued."

 

2220.3The outline of coverage provided to applicants pursuant to section 2220 consists of four parts:

 

(a)A cover page;

 

(b)Premium information;

 

(c)Disclosure pages; and

 

(d)Charts displaying the features of each benefit plan offered by the issuer.

 

2220.4The outline of coverage shall be in the language and format prescribed in subsection 2220.9, in no less than twelve (12) point type.

 

2220.5All plans A through L shall be shown on the cover page, and the plan(s) offered by the issuer shall be prominently identified.

 

2220.6Premium information for plans offered shall be:

 

(a)Shown on the cover page or immediately following the cover page; and

 

(b)Prominently displayed.

 

2220.7The premium and mode shall be stated for all plans that are offered to the prospective applicant.

 

2220.8All possible premiums for the prospective applicant shall be illustrated.

 

2220.9The following items shall be included in the outline of coverage in the order prescribed below:

 

 

Benefit Chart of Medicare Supplement Plans Sold on or After June 1, 2010

 

This chart shows the benefits included in each of the standard Medicare supplement plans.  Every company must make Plan “A” available.  Some plans may not be available in the District of Columbia.

Plans E, H, I, and J are no longer available for sale.  [This sentence shall not appear after June 1, 2011.]

 

Basic Benefits:

• Hospitalization –Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.
• Medical Expenses –Part B coinsurance (generally 20% of Medicare-approved expenses) or co-payments for hospital outpatient services.  Plans K, L and N require insureds to pay a portion of Part B coinsurance or co-payments.
• Blood –First three pints of blood each year.
• Hospice— Part A coinsurance

A	B	C	D	F	F*	G		K	L	M	N
Basic, including 100% Part B coinsurance	Basic, including 100% Part B coinsurance	Basic, including 100% Part B coinsurance	Basic, including 100% Part B coinsurance	Basic, including 100% Part B coinsurance*		Basic, including 100% Part B coinsurance		Hospitalization and preventive care paid at 100%; other basic benefits paid at 50%	Hospitalization and preventive care paid at 100%; other basic benefits paid at 75%	Basic, including 100% Part B coinsurance	Basic, including 100% Part B coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER
		Skilled Nursing Facility Coinsurance	Skilled Nursing Facility Coinsurance	Skilled Nursing Facility Coinsurance		Skilled Nursing Facility Coinsurance		50% Skilled Nursing Facility Coinsurance	75% Skilled Nursing Facility Coinsurance	Skilled Nursing Facility Coinsurance	Skilled Nursing Facility Coinsurance
	Part A Deductible	Part A Deductible	Part A Deductible	Part A Deductible		Part A Deductible		50% Part A Deductible	75% Part A Deductible	50% Part A Deductible	Part A Deductible
		Part B Deductible		Part B Deductible
				Part B Excess (100%)		Part B Excess (100%)
		Foreign Travel Emergency	Foreign Travel Emergency	Foreign Travel Emergency		Foreign Travel Emergency				Foreign Travel Emergency	Foreign Travel Emergency
*Plan F also has an option called a high deductible plan F.  This high deductible plan pays the same benefits as Plan F after one has paid a calendar year $2000 deductible.  Benefits from high deductible plan F will not begin until out-of-pocket expenses exceed $2000.  Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy.  These expenses include the Medicare deductibles for Part A and Part B, but do not include the plan’s separate foreign travel emergency deductible.								Out-of-pocket limit $[4620]; paid at 100% after  limit reached	Out-of-pocket limit $[2310]; paid at 100% after  limit reached

 

PREMIUM INFORMATION [Boldface Type]

 

We [insert issuer’s name] can only raise your premium if we raise the premium for all policies like yours in this State. [If the premium is based on the increasing age of the insured, include information specifying when premiums will change.]

 

DISCLOSURES [Boldface Type]

 

Use this outline to compare benefits and premiums among policies. 

 

This outline shows benefits and premiums of policies sold for effective dates on or after June 1, 2010.  Policies sold for effective dates prior to June 1, 2010 have different benefits and premiums.  Plans E, H, I, and J are no longer available for sale.    [This paragraph shall not appear after June 1, 2011.] 

 

READ YOUR POLICY VERY CAREFULLY [Boldface Type]

 

This is only an outline describing your policy’s most important features. The policy is your insurance contract. You must read the policy itself to understand all of the rights and duties of both you and your insurance company.

 

RIGHT TO RETURN POLICY [Boldface Type]

 

If you find that you are not satisfied with your policy, you may return it to [insert issuer’s address]. If you send the policy back to us within 30 days after you receive it, we will treat the policy as if it had never been issued and return all of your payments.

 

POLICY REPLACEMENT [Boldface Type]

 

If you are replacing another health insurance policy, do NOT cancel it until you have actually received your new policy and are sure you want to keep it.

 

NOTICE [Boldface Type]

 

This policy may not fully cover all of your medical costs.

 

[for agents:]

Neither [insert company’s name] nor its agents are connected with Medicare.

 

[for direct response:]

[insert company’s name] is not connected with Medicare.

 

This outline of coverage does not give all the details of Medicare coverage. Contact your local Social Security Office or consult Medicare and You for more details.

 

COMPLETE ANSWERS ARE VERY IMPORTANT [Boldface Type]

 

When you fill out the application for the new policy, be sure to answer truthfully and completely all questions about your medical and health history. The company may cancel your policy and refuse to pay any claims if you leave out or falsify important medical information. [If the policy or certificate is guaranteed issue, this paragraph need not appear.]

 

Review the application carefully before you sign it. Be certain that all information has been properly recorded.

 

[Include for each plan prominently identified in the cover page, a chart showing the services, Medicare payments, plan payments and insured payments for each plan, using the same language, in the same order, using uniform layout and format as shown in the charts below. No more than four plans may be shown on one chart. For purposes of illustration, charts for each plan are included in this regulation. An issuer may use additional benefit plan designations on these charts pursuant to section 2208a-8 of this regulation.]

 

[Include an explanation of any innovative benefits on the cover page and in the chart, in a manner approved by the commissioner.]

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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PLAN A

 

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.

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
HOSPITALIZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies First 60 days     61st thru 90th day   91st day and after: —While using 60 lifetime reserve days   —Once lifetime reserve days are used:   —Additional 365 days   —Beyond the additional 365 days	All but $1068     All but $267 a day   All but $534 a day       $0     $0	$0     $267 a day   $534 a day       100% of Medicare eligible expenses   $0	$1068(Part A deductible)   $0   $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 First 20 days     21st thru 100th day     101st day and after	All approved amounts   All but $133.50 a day   $0	$0     $0     $0	$0     Up to $133.50 a day     All costs

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
BLOOD First 3 pints   Additional amounts	$0   100%	3 pints   $0	$0   $0
HOSPICE CARE You must meet Medicare's requirements, including a doctor's certification of terminal illness.	All but very limited co-payment/ coinsurance for out-patient drugs and inpatient respite care	Medicare co-payment/ 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.

 

PLAN A

 

MEDICARE (PART B)—MEDICAL SERVICES—PER CALENDAR YEAR

 

* Once you have been billed $135 of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
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, First $135 of Medicare Approved Amounts*   Remainder of Medicare Approved Amounts	$0     Generally 80%	$0     Generally 20%	$135 (Part B deductible)   $0
Part B Excess Charges (Above Medicare Approved Amounts)	$0	$0	All costs
BLOOD First 3 pints   Next $135 of Medicare Approved Amounts*   Remainder of Medicare Approved Amounts	$0   $0     80%	All costs   $0     20%	$0   $135 (Part B deductible)   $0
CLINICAL LABORATORY SERVICES—TESTS FOR DIAGNOSTIC SERVICES	100%	$0	$0

 

PARTS A & B

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
HOME HEALTH CARE MEDICARE APPROVED SERVICES Medically necessary skilled care services and medical supplies   Durable medical equipment   First $135 of Medicare Approved Amounts*   Remainder of Medicare Approved Amounts	100%           $0       80%	$0           $0       20%	$0           $135 (Part B deductible)     $0

PLAN B

 

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.

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
HOSPITALIZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies First 60 days     61st thru 90th day   91st day and after: —While using 60 lifetime reserve days   —Once lifetime reserve days are used:   —Additional 365 days   —Beyond the additional 365 days	All but $1068     All but $267 a day   All but $534 a day       $0     $0	$1068(Part A deductible)   $267 a day   $534 a day       100% of Medicare eligible expenses   $0	$0     $0   $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 First 20 days     21st thru 100th day     101st day and after	All approved amounts   All but $133.50 a day   $0	$0     $0     $0	$0     Up to $133.50 a day   All costs

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
BLOOD First 3 pints   Additional amounts	$0   100%	3 pints   $0	$0   $0
HOSPICE CARE You must meet Medicare's requirements, including a doctor's certification of terminal illness	All but very limited co-payment/ coinsurance for out-patient drugs and inpatient respite care	Medicare co-payment/ 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.

 

PLAN B

 

MEDICARE (PART B)—MEDICAL SERVICES—PER CALENDAR YEAR

 

* Once you have been billed $135 of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
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, F First $135 of Medicare Approved Amounts*   Remainder of Medicare Approved Amounts	$0     Generally 80%	$0     Generally 20%	$135 (Part B deductible)   $0
Part B Excess Charges (Above Medicare Approved Amounts)	$0	$0	All costs
BLOOD First 3 pints   Next $135 of Medicare Approved Amounts*   Remainder of Medicare Approved Amounts	$0   $0     80%	All costs   $0     20%	$0   $135 (Part B deductible)   $0
CLINICAL LABORATORY SERVICES—TESTS FOR DIAGNOSTIC SERVICES	100%	$0	$0

 

PARTS A & B

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
HOME HEALTH CARE MEDICARE APPROVED SERVICES Medically necessary skilled care services and medical supplies   Durable medical equipment   First $135 of Medicare Approved Amounts*   Remainder of Medicare Approved Amounts	100%           $0       80%	$0           $0       20%	$0           $135 (Part B deductible)     $0

 

PLAN C

 

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.

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
HOSPITALIZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies First 60 days     61st thru 90th day   91st day and after: —While using 60 lifetime reserve days   —Once lifetime reserve days are used:   Additional 365 days —Beyond the additional 365 days	All but $1068     All but $267 a day   All but $534 a day       $0     $0	$1068(Part A deductible)   $267 a day   $534 a day       100% of Medicare eligible expenses   $0	$0     $0   $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 First 20 days     21st thru 100th day     101st day and after	All approved amounts   All but $133.50 a day   $0	$0     Up to $133.50 a day     $0	$0     $0     All costs

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
BLOOD First 3 pints   Additional amounts	$0   100%	3 pints   $0	$0   $0
HOSPICE CARE You must meet Medicare's requirements, including a doctor's certification of terminal illness.	All but very limited co-payment/ coinsurance for out-patient drugs and inpatient respite care	Medicare co-payment/ 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.

 

PLAN C

 

MEDICARE (PART B)—MEDICAL SERVICES—PER CALENDAR YEAR

 

* Once you have been billed $[135] of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
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, First $135 of Medicare     Approved Amounts*   Remainder of Medicare Approved Amounts	$0     Generally 80%	$135 (Part B deductible)   Generally 20%	$0     $0
Part B Excess Charges (Above Medicare Approved Amounts)	$0	$0	All costs
BLOOD First 3 pints   Next $135 of Medicare Approved Amounts*   Remainder of Medicare Approved Amounts	$0   $0     80%	All costs   $135 (Part B deductible)   20%	$0   $0     $0
CLINICAL LABORATORY SERVICES—TESTS FOR DIAGNOSTIC SERVICES	100%	$0	$0

 

PARTS A & B

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
HOME HEALTH CARE MEDICARE APPROVED SERVICES Medically necessary skilled care services and medical supplies   Durable medical equipment   First $135 of Medicare Approved Amounts*   Remainder of Medicare Approved Amounts	100%           $0       80%	$0           $135(Part B deductible)     20%	$0           $0       $0

 

OTHER BENEFITS—NOT COVERED BY MEDICARE

 

SERVICES

MEDICARE PAYS

PLAN PAYS

YOU PAY

 

FOREIGN TRAVEL NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA First $250 each calendar year     Remainder of Charges

$0     $0

$0     80% to a lifetime maxi-mum benefit of $50,000

$250     20% and amounts over the $50,000 lifetime maximum

 

PLAN D

 

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.

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
HOSPITALIZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies   First 60 days     61st thru 90th day   91st day and after: —While using 60 lifetime reserve days   —Once lifetime reserve days are used:   Additional 365 days —Beyond the additional 365 days	All but $1068     All but $267 a day   All but $534 a day       $0     $0	$1068 (Part A deductible)   $267 a day   $534 a day $0       100% of Medicare eligible expenses   $0	$0     $0   $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 First 20 days     21st thru 100th day     101st day and after	All approved amounts   All but $133.50 a day   $0	$0     Up to $133.50 a day     $0	$0     $0     All costs

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
BLOOD First 3 pints   Additional amounts	$0   100%	3 pints   $0	$0   $0
HOSPICE CARE You must meet Medicare's requirements, including a doctor's certification of terminal illness	All but very limited co-payment/ coinsurance for out-patient drugs and inpatient respite care	Medicare co-payment/ 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.

 

PLAN D

 

MEDICARE (PART B)—MEDICAL SERVICES—PER CALENDAR YEAR

 

* Once you have been billed $135 of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
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, First $135 of Medicare Approved Amounts*   Remainder of Medicare Approved Amounts	$0     Generally 80%	$0     Generally 20%	$135 (Part B deductible)   $0
Part B Excess Charges (Above Medicare Approved Amounts)	$0	$0	All costs
BLOOD First 3 pints   Next $135 of Medicare Approved Amounts*   Remainder of Medicare Approved Amounts	$0   $0     80%	All costs   $0     20%	$0   $135 (Part B deductible)   $0
CLINICAL LABORATORY SERVICES—TESTS FOR DIAGNOSTIC SERVICES	100%	$0	$0

 

 

 

PLAN D

 

PARTS A & B

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
HOME HEALTH CARE MEDICARE APPROVED SERVICES Medically necessary skilled care services and medical supplies   Durable medical equipment   First $135 of Medicare Approved Amounts*   Remainder of Medicare Approved Amounts	100%           $0       80%	$0           $0       20%	$0           $135 (Part B deductible)     $0

 

OTHER BENEFITS—NOT COVERED BY MEDICARE

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
FOREIGN TRAVEL—NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA First $250 each calendar year   Remainder of charges	$0   $0	$0   80% to a lifetime maxi-mum benefit of $50,000	$250   20% and amounts over the $50,000 lifetime maximum

PLAN F or HIGH DEDUCTIBLE PLAN F

 

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.

 

**This high deductible plan pays the same benefits as Plan F after one has paid a calendar year $2000 deductible. Benefits from the high deductible plan F will not begin until out-of-pocket expenses are $2000. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the Medicare deductibles for Part A and Part B, but does not include the plan’s separate foreign travel emergency deductible.]

 

SERVICES	MEDICARE PAYS	AFTER YOU PAY $2000 DEDUCTIBLE,** PLAN PAYS	IN ADDITION TO $2000 DEDUCTIBLE,** YOU PAY
HOSPITALIZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies First 60 days   61st thru 90th day   91st day and after: —While using 60 Lifetime reserve days   Once lifetime reserve days are used: —Additional 365 days   Beyond the additional 365 days	All but $1068     All but $267 a day   All but $534 a day       $0       $0	$1068 (Part A deductible)   $267 a day   $534 a day       100% of Medicare eligible expenses     $0	$0     $0   $0       $0***       All costs

SERVICES	MEDICARE PAYS	AFTER YOU PAY $2000 DEDUCTIBLE,** PLAN PAYS	IN ADDITION TO $2000 DEDUCTIBLE,** YOU PAY
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 First 20 days     21st thru 100th day     101st day and after	All approved amounts   All but $[133.50] a day   $0	$0     Up to $133.50 a day   $0	$0     $0     All costs
BLOOD First 3 pints   Additional amounts	$0   100%	3 pints   $0	$0   $0
HOSPICE CARE You must meet Medicare's requirements, including a doctor's certification of terminal illness.	All but very limited co-payment/ coinsurance for out-patient drugs and inpatient respite care	Medicare co-payment/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.

 

PLAN F or HIGH DEDUCTIBLE PLAN F

 

MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR

 

*Once you have been billed $135 of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

 

**This high deductible plan pays the same benefits as Plan F after one has paid a calendar year $2000 deductible. Benefits from the high deductible plan F will not begin until out-of-pocket expenses are $2000. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the Medicare deductibles for Part A and Part B, but does not include the plan’s separate foreign travel emergency deductible.

 

SERVICES	MEDICARE PAYS	AFTER YOU PAY $2000 DEDUCTIBLE,** PLAN PAYS	IN ADDITION TO $2000 DEDUCTIBLE,** YOU PAY
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, First $135 of Medicare Approved amounts*   Remainder of Medicare Approved amounts	$0     Generally 80%	$135 (Part B deductible)   Generally 20%	$0     $0
Part B excess charges (Above Medicare Approved Amounts)	$0	100%	$0
BLOOD First 3 pints   Next $135 of Medicare Approved amounts*   Remainder of Medicare Approved amounts	$0   $0     80%	All costs   $135 (Part B deductible)   20%	$0   $0     $0

SERVICES	MEDICARE PAYS	AFTER YOU PAY $2000 DEDUCTIBLE, * * PLAN PAYS	IN ADDITION TO $2000 DEDUCTIBLE,** YOU PAY
CLINICAL LABORATORY SERVICES—-TESTS FOR DIAGNOSTIC SERVICES	100%	$0	$0

 

PLAN F or HIGH DEDUCTIBLE PLAN F

 

PARTS A & B

 

SERVICES	MEDICARE PAYS	AFTER YOU PAY $2000 DEDUCTIBLE,** PLAN PAYS	IN ADDITION TO $2000 DEDUCTIBLE,** YOU PAY
HOME HEALTH CARE MEDICARE APPROVED SERVICES Medically necessary skilled care services and medical supplies   —Durable medical equipment   First $135 of Medicare                         Approved Amounts*   Remainder of Medicare — Approved Amounts	100%           $0       80%	$0           $135 (Part B deductible)     20%	$0           $0       $0

 

OTHER BENEFITS - NOT COVERED BY MEDICARE

 

SERVICES	MEDICARE PAYS	AFTER YOU PAY $2000 DEDUCTIBLE,** PLAN PAYS	IN ADDITION TO $2000 DEDUCTIBLE,** YOU PAY
FOREIGN TRAVEL - NOT COVERED BY MEDICARE Medically necessary Emergency care services Beginning during the first 60 days of each trip outside the USA First $250 each calendar year   Remainder of charges	$0   $0	$0   80% to a lifetime maximum benefit of $50,000	$250   20% and amounts over the $50,000 lifetime maximum

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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PLAN G

 

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.

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
HOSPITALIZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies First 60 days     61st thru 90th day   91st day and after: —While using 60 lifetime reserve days   —Once lifetime reserve days are used:   —Additional 365 days   —Beyond the additional 365 days	All but $1068     All but $267 a day   All but $534 a day       $0     $0	$1068 (Part A deductible)   $267 a day   $534 a day       100% of Medicare eligible expenses   $0	$0     $0   $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 First 20 days     21st thru 100th day     101st day and after	All approved amounts   All but $133.50 a day   $0	$0     Up to $133.50 a day     $0	$0     $0     All costs
BLOOD First 3 pints   Additional amounts	$0   100%	3 pints   $0	$0   $0
SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
HOSPICE CARE You must meet Medicare's requirements, including a doctor's certification of terminal illness	All but very limited co-payment/ coinsurance for out-patient drugs and inpatient respite care	Medicare co-payment/ 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.

 

PLAN G

 

MEDICARE (PART B)—MEDICAL SERVICES—PER CALENDAR YEAR

 

* Once you have been billed $133.50 of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
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, First $135 of Medicare Approved Amounts*   Remainder of Medicare Approved Amounts	$0     Generally 80%	$0     Generally 20%	$135 (Part B deductible)   $0
Part B Excess Charges (Above Medicare Approved Amounts)	$0	100%	$0
BLOOD First 3 pints   Next $135 of Medicare Approved Amounts*   Remainder of Medicare Approved Amounts	$0   $0     80%	All costs   $0     20%	$0   $135 (Part B deductible)   $0
CLINICAL LABORATORY SERVICES—TESTS FOR DIAGNOSTIC SERVICES	100%	$0	$0

 

 

PLAN G

 

PARTS A & B

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
HOME HEALTH CARE MEDICARE APPROVED SERVICES Medically necessary skilled care services and medical supplies   —Durable medical equipment   First $135 of Medicare Approved Amounts*   Remainder of Medicare Approved Amounts	100%             $0       80%	$0             $0       20%	$0             $135 (Part B deductible)     $0

 

OTHER BENEFITS—NOT COVERED BY MEDICARE

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
FOREIGN TRAVEL— NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA First $250 each calendar year   Remainder of Charges	$0     $0	$0     80% to a lifetime maxi-mum benefit of $50,000	$250     20% and amounts over the $50,000 lifetime maximum

 

PLAN K

 

* You will pay half the cost-sharing of some covered services until you reach the annual out-of-pocket limit of $[4620] each calendar year. The amounts that count toward your annual limit are noted with diamonds (♦) in the chart below. Once you reach the annual limit, the plan pays 100% of your Medicare co-payment and coinsurance for the rest of the calendar year. However, this limit does NOT include charges from your provider that exceed Medicare-approved amounts (these are called “Excess Charges”) and you will be responsible for paying this difference in the amount charged by your provider and the amount paid by Medicare for the item or service.

 

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.

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY*
HOSPITALIZATION** Semiprivate room and board, general nursing and miscellaneous services and supplies First 60 days     61st thru 90th day   91st day and after: —While using 60 lifetime reserve days   —Once lifetime reserve days are used: —Additional 365 days   —Beyond the additional 365 days	All but $1068     All but $267 a day   All but $534 a day         $0       $0	$534(50% of Part A deductible)   $267 a day   $534 a day         100% of Medicare eligible expenses     $0	$534(50% of Part A deductible)♦   $0   $0         $0***       All costs

 

*** 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.

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY*
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 First 20 days     21st thru 100th day     101st day and after	All approved amounts.   All but $133.50 a day   $0	$0     Up to $66.75 a day     $0	$0     Up to $66.75 a day ♦     All costs
BLOOD First 3 pints   Additional amounts	$0   100%	50%   $0	50%♦   $0
HOSPICE CARE You must meet Medicare's requirements, including a doctor's certification of terminal illness.	All but very limited co-payment/ coinsurance for outpatient drugs and inpatient respite care	50% of co-payment/ coinsurance	50% of Medicare co-payment/coinsurance♦

 

PLAN K

 

MEDICARE (PART B)—MEDICAL SERVICES—PER CALENDAR YEAR

 

**** Once you have been billed $135 of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY*
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, First $135 of Medicare Approved Amounts****   Preventive Benefits for Medicare covered services     Remainder of Medicare Approved Amounts	$0     Generally 75% or more of Medicare approved amounts   Generally 80%	$0     Remainder of Medicare approved amounts   Generally 10%	$135 (Part B deductible)**** ♦   All costs above Medicare approved amounts   Generally 10% ♦
Part B Excess Charges (Above Medicare Approved Amounts)	$0	$0	All costs (and they do not count toward annual out-of-pocket limit of $4620)*
BLOOD First 3 pints   Next $135 of Medicare Approved Amounts****   Remainder of Medicare Approved Amounts	$0   $0     Generally 80%	50%   $0     Generally 10%	50%♦   $135 (Part B deductible)**** ♦   Generally 10% ♦
CLINICAL LABORATORY SERVICES—TESTS FOR DIAGNOSTIC SERVICES	100%	$0	$0

 

* This plan limits your annual out-of-pocket payments for Medicare-approved amounts to $4620 per year. However, this limit does NOT include charges from your provider that exceed Medicare-approved amounts (these are called “Excess Charges”) and you will be responsible for paying this difference in the amount charged by your provider and the amount paid by Medicare for the item or service.

PLAN K

 

PARTS A & B

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY*
HOME HEALTH CARE MEDICARE APPROVED SERVICES Medically necessary skilled care services and medical supplies   —Durable medical equipment   First $135 of Medicare Approved Amounts*****   Remainder of Medicare Approved Amounts	100%           $0       80%	$0           $0       10%	$0           $135 (Part B deductible) ♦     10%♦

 

 

*****Medicare benefits are subject to change. Please consult the latest Guide to Health Insurance for People with Medicare. http://www.medicare.gov/Publications/Pubs/pdf/02110.pdf 

PLAN L

 

* You will pay one-fourth of the cost-sharing of some covered services until you reach the annual out-of-pocket limit of $2310 each calendar year. The amounts that count toward your annual limit are noted with diamonds (♦) in the chart below. Once you reach the annual limit, the plan pays 100% of your Medicare copayment and coinsurance for the rest of the calendar year. However, this limit does NOT include charges from your provider that exceed Medicare-approved amounts (these are called “Excess Charges”) and you will be responsible for paying this difference in the amount charged by your provider and the amount paid by Medicare for the item or service.

 

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.

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY*
HOSPITALIZATION** Semiprivate room and board, general nursing and miscellaneous services and supplies First 60 days     61st thru 90th day   91st day and after: —While using 60 lifetime reserve days   —Once lifetime reserve days are used: —Additional 365 days   —Beyond the additional 365 days	All but $1068     All but $267 a day   All but $534 a day       $0       $0	$808.50 (75% of Part A deductible)   $267 a day   $534 a day       100% of Medicare eligible expenses     $0	$[267] (25% of Part A deductible)♦   $0   $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 First 20 days   21st thru 100th day     101st day and after	All approved amounts   All but $133.50 a day   $0	$0   Up to $100.13 a day   $0	$0   Up to $33.38 a day♦     All costs
SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY*
BLOOD First 3 pints   Additional amounts	$0   100%	75%   $0	25%♦   $0
HOSPICE CARE You must meet Medicare's requirements, including a doctor's certification of terminal illness.	All but very limited co-payment/ coinsurance for outpatient drugs and inpatient respite care	75% of co-payment/ coinsurance	25% of co-payment/ coinsurance ♦

 

*** 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.

PLAN L

 

MEDICARE (PART B)—MEDICAL SERVICES—PER CALENDAR YEAR

 

**** Once you have been billed $135 of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY*
MEDICAL EXPENSES— IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as Physi-cian’s services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment, First $135 of Medicare Approved Amounts****   Preventive Benefits for Medicare covered services     Remainder of Medicare Approved Amounts	$0     Generally 75% or more of Medicare approved amounts   Generally 80%	$0     Remainder of Medicare approved amounts   Generally 15%	$135 (Part B deductible)**** ♦   All costs above Medicare approved amounts   Generally 5% ♦
Part B Excess Charges (Above Medicare Approved Amounts)	$0	$0	All costs (and they do not count toward annual out-of-pocket limit of $2310)*
BLOOD First 3 pints   Next $135 of Medicare Approved Amounts****   Remainder of Medicare Approved Amounts	$0   $0     Generally 80%	75%   $0     Generally 15%	25%♦   $135 (Part B deductible) ♦   Generally 5%♦
CLINICAL LABORATORY SERVICES—TESTS FOR DIAGNOSTIC SERVICES	100%	$0	$0

 

* This plan limits your annual out-of-pocket payments for Medicare-approved amounts to $2310 per year. However, this limit does NOT include charges from your provider that exceed Medicare-approved amounts (these are called “Excess Charges”) and you will be responsible for paying this difference in the amount charged by your provider and the amount paid by Medicare for the item or service.

PLAN L

 

PARTS A & B

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY*
HOME HEALTH CARE MEDICARE APPROVED SERVICES Medically necessary skilled care services and medical supplies   —Durable medical equipment   First $135 of Medicare Approved Amounts*****   Remainder of Medicare Approved Amounts	100%           $0       80%	$0           $0       15%	$0           $135 (Part B deductible) ♦     5% ♦

 

 

*****Medicare benefits are subject to change. Please consult the latest Guide to Health Insurance for People with Medicare. http://www.medicare.gov/Publications/Pubs/pdf/02110.pdf 

PLAN M

 

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.

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
HOSPITALIZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies First 60 days     61st thru 90th day   91st day and after: —While using 60 lifetime reserve days   —Once lifetime reserve days are used: —Additional 365 days   —Beyond the additional 365 days	All but $1068     All but $267 a day   All but $534 a day       $0       $0	$534(50% of Part A deductible)   $267 a day   $534 a day       100% of Medicare eligible expenses     $0	$[534](50% of Part A deductible)   $0   $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 First 20 days     21st thru 100th day     101st day and after	All approved amounts   All but $133.50 a day   $0	$0     Up to $133.50 a day     $0	$0     $0     All costs
BLOOD First 3 pints   Additional amounts	$0   100%	3 pints   $0	$0   $0

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
HOSPICE CARE You must meet Medicare’s requirements, including a doctor’s certification of terminal illness	All but very limited co-payment/ coinsurance for outpatient drugs and inpatient respite care	Medicare co-payment/ 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.

 

PLAN M

 

MEDICARE (PART B)—MEDICAL SERVICES—PER CALENDAR YEAR

 

* Once you have been billed $135 of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
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 —First $135 of Medicare Approved Amounts*     Remainder of Medicare Approved Amounts	$0     Generally 80%	$0     Generally 20%	$135 (Part B deductible)   $0
Part B Excess Charges (Above Medicare Approved Amounts)	$0	$0	All costs
BLOOD First 3 pints   Next $135 of Medicare Approved Amounts*   Remainder of Medicare Approved Amounts	$0   $0     80%	All costs   $0     20%	$0   $135 (Part B deductible)   $0
CLINICAL LABORATORY SERVICES—TESTS FOR DIAGNOSTIC SERVICES	100%	$0	$0

 

PARTS A & B

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
HOME HEALTH CARE MEDICARE APPROVED SERVICES Medically necessary skilled care services and medical supplies   —Durable medical equipment   First $135 of Medicare Approved Amounts*   Remainder of Medicare Approved Amounts	100%       $0           80%	$0       $0           20%	$0       $135(Part B deductible)         $0

 

OTHER BENEFITS—NOT COVERED BY MEDICARE

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
FOREIGN TRAVEL— NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA   First $250 each calendar year   Remainder of Charges	$0   $0	$0   80% to a lifetime maxi-mum benefit of $50,000	$250   20% and amounts over the $50,000 lifetime maximum

 

 

 

PLAN N

 

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.

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
HOSPITALIZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies First 60 days     61st thru 90th day   91st day and after: —While using 60 lifetime reserve days   —Once lifetime reserve days are used: —Additional 365 days   —Beyond the additional 365 days	All but $1068     All but $267 a day   All but $534 a day       $0       $0	$1068(Part A deductible)   $267 a day   $534 a day       100% of Medicare eligible expenses     $0	$0     $0   $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 First 20 days     21st thru 100th day   101st day and after	All approved amounts   All but $133.50 a day   $0	$0     Up to $133.50 a day $0	$0     $0 All costs
BLOOD First 3 pints   Additional amounts	$0   100%	3 pints   $0	$0   $0

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
HOSPICE CARE You must meet Medicare’s requirements, including a doctor’s certification of terminal illness	All but very limited co-payment/ coinsurance for outpatient drugs and inpatient respite care	Medicare co-payment/ 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.

 

PLAN N

 

MEDICARE (PART B)—MEDICAL SERVICES—PER CALENDAR YEAR

 

* Once you have been billed $135 of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
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 First $135 of Medicare Approved Amounts*   Remainder of Medicare Approved Amounts	$0     Generally 80%	$0     Balance, other than up to $20 per office visit and up to $50 per emergency room visit.  The co-payment of up to $50 is waived if the insured is admitted to any hospital and the emergency visit is covered as a Medicare Part A expense.	$135 (Part B deductible)   up to $20 per office visit and up to $50 per emergency room visit. The co-payment of up to $50 is waived if the insured is admitted to any hospital and the emergency visit is covered as a Medicare Part A expense.
Part B Excess Charges (Above Medicare Approved Amounts)	$0	$0	All costs
BLOOD First 3 pints   Next $135 of Medicare Approved Amounts*   Remainder of Medicare Approved Amounts	$0   $0     80%	All costs   $0     20%	$0   $135 (Part B deductible)   $0
CLINICAL LABORATORY SERVICES—TESTS FOR DIAGNOSTIC SERVICES	100%	$0	$0

 

PARTS A & B

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
HOME HEALTH CARE MEDICARE APPROVED SERVICES Medically necessary skilled care services and medical supplies   —Durable medical equipment   First $135 of Medicare Approved Amounts*   Remainder of Medicare Approved Amounts	100%           $0       80%	$0           $0       20%	$0           $135 (Part B deductible)     $0

 

OTHER BENEFITS—NOT COVERED BY MEDICARE

 

SERVICES	MEDICARE PAYS	PLAN PAYS	YOU PAY
FOREIGN TRAVEL— NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA First $250 each calendar year   Remainder of Charges	$0   $0	$0   80% to a lifetime maximum benefit of $50,000	$250   20% and amounts over the $50,000 lifetime maximum

 

 

authority

Sections 4, 5, 6, 9, and 11 of the Medicare Supplement Insurance Minimum Standards Act of 1992, effective July 22, 1992 (D.C. Law 9-170; D.C. Official Code §§ 31-3703, 31-3704, 31-3705, 31-3708 and 31-3710 (2001)), and section 4 of Department of Insurance and Securities Regulation Establishment Act of 1996, effective May 21, 1997 (D.C. Law 11-268; D.C. Official Code § 31-103 (2009 Supp.))

source

Final Rulemaking published at 46 DCR 10175 (December 17, 1999); as amended by Final Rulemaking published at 50 DCR 4166 (May 30, 2003); as amended by Final Rulemaking published at 50 DCR 5882 (July 25, 2003); as amended by Final Rulemaking published at 53 DCR 2955(April 14, 2006); as amended by Final Rulemaking published at 53 DCR 8467(October 20, 2006); as amended by Final Rulemaking published at 56 DCR 8840 (November 13, 2009), incorporating text of Emergency and Proposed Rulemaking published at 56 DCR 7661, 7675 (September 25, 2009).