|
Medicare Supplemental Insurance Information - 2021
|
|
Many seniors and younger will need supplemental health insurance to pay
for expenses not covered by Medicare. It should be noted that neither
Medicare nor a Pennsylvania Medicare supplemental insurance policy will cover
most long term care insurance expenses. There are many types of health
insurance coverages that you can purchase to supplement your Medicare
coverage. Supplemental insurance will pay for some or all of your health
care costs that are not covered by Medicare.
|
|
These types of health insurance coverages include:
|
|
Employee or Retiree Coverage
(from your employer or union)
Medigap Insurance
(from a private company or group).
|
|
People often refer to all of these types of health insurance coverage as
"supplemental insurance." However, "Medicare Supplemental" or "Medigap"
insurance is a specific type of insurance that is subject to federal and state
laws.
|
|
Click on the link below to fill out a quote request form for Medicare Supplement Insurance that
will provide dependable supplemental insurance coverage at an affordable cost.
|
|
Click HERE to fill out a
Pennsylvania Medicare Supplemental
Insurance quote request form
|
|
Ask us about the Medicare
Prescription Drug Coverage
|
|
Medigap (Pennsylvania Medicare Supplemental Insurance)
Medicare supplemental insurance policies that are sold by private insurance
companies to Medicare beneficiaries to fill the "gaps" in original Medicare
Plan coverage. Medigap policies help pay some of the health care costs
that the original Medicare Plan does not cover. There are several
standardized policies, Plan A through Plan N. The state of Pennsylvania decides
which of the plan policies can be sold in the state. Medigap policies only
work with the original Medicare Plan. If you are in the original Medicare Plan
and have a Medigap policy, then Medicare and your Medigap policy will each
pay their share of covered health care costs.
|
|
Medicare SELECT - Pennsylvania
|
|
Managed Care Plans - Pennsylvania
A Managed Care plan involves a group of doctors, hospitals, and other health care providers
who have agreed to provide care to Medicare beneficiaries in exchange for a fixed amount of
money from Medicare every month. Maine managed care plans include Health Maintenance
Organizations (HMOs), HMOs with a Point of Service (POS) option, Provider Sponsored
Organizations (PSOs), Preferred Provider Organizations (PPOs), and Cost Plans.
|
|
Plan A Basic Benefits (these benefits also included in Plans B - N)
|
|
Medicare Part A co-insurance for the 61st through the 90th day in the
hospital ($371 a day in 2021)
|
|
Medicare Part A co-insurance for any hospital confinement beyond the
90th day, up to an additional 60 days during the policyholder's lifetime
($742 a day in 2021)
|
|
After using all the Medicare hospital inpatient coverage, including the
lifetime reserve days, all Medicare-eligible hospital charges will be covered
up to 365 additional days during the policyholder's lifetime
|
|
The reasonable cost of the first three pints of blood each year under
Medicare Part A and Part B
|
|
The 20% co-insurance amount under Medicare Part B (doctor and other
medical bills) after the policyholder pays the Medicare Part B deductible
which is $203 in 2021. For outpatient mental health services, the 45% co
insurance amount after the deductible is paid
|
|
The following list describes the additional benefits that may be included in plans B through N.
|
|
Medicare Part A Deductible
Payment for all of the Medicare Part A inpatient hospital deductible. The Medicare Part A deductible
is $1,484 in 2021.
Skilled Nursing Facility Care
Coverage up to the co-insurance amount from the 21st day through the 100th day in a Medicare
benefit period for post-hospital skilled nursing facility care ($185.50 a day in 2021)
|
|
Medicare Part B Deductible
Coverage for all of the Medicare Part B deductible ($203 in 2021). Medicare Part B covers doctor
and other medical bills.
100% of the Medicare Part B Excess Charges
Coverage for all of the difference between the actual Medicare Part B charge as billed and the
Medicare-approved Part B charge not to exceed any charge limit set by the Medicare program or
state law.
Medically Necessary Emergency Care in A Foreign Country
Coverage for 80% of the billed charges for Medicare-eligible expenses for medically necessary
emergency care received in a foreign country. Care must have started during the first 60 days in a
row of each trip outside the United States. This benefit has a $250 calendar year deductible and a
lifetime maximum benefit paid of $50,000.
|
|
High Deductible Plan F (2021)
Plan F has an option called High Deductible Plan F offered by several companies. This high
deductible plan offers the same benefits as the regular Plan F but the benefits do not start until
after you pay a calendar year deductible of $2,370 (this deductible can go up every year). Some
of the expenses you will have to pay to satisfy this high deductible include the Medicare
deductibles for Parts A and B, but does not include the Plan F Foreign Travel Emergency
deductible. The Foreign Travel Emergency deductible must be paid regardless of whether you
have met the $2,370 high deductible. Also, you can't count the Foreign Travel Emergency
deductible toward the $2,370 high deductible
|
|
Medicare Select policies are also standardized plans, however, to receive full hospital benefits
you must use participating hospitals that are in the network. These insurance policies usually
cost less because there are restrictions that affect where you can go to get treatment. If you do
not follow the Medicare Select policy requirements, Medicare will still pay its portion of the bill,
however, the Medicare Select company is not required to pay the full benefits under the policy
and will deny payment or pay less than the full benefit if you go outside the network for non
emergency services. Consult with your Medicare insurance agent for updated information.
|
|
***By calling this number, I understand I will be directed to a licensed insurance sales agent or broker.***
|
|
Pennsylvania Medicare Supplemental Insurance
|
|
PA Group Insurance, LLC
|
|
"We are your Pennsylvania
Medicare Supplemental
Insurance Agents"
|
|
We are a Rydal, PA insurance agency offering Medicare supplemental insurance services in the following
Pennsylvania counties and cities: Montgomery County, Philadelphia County, Delaware County, Chester County, Bucks
County, Lehigh County, Berks County, Lancaster County, York County, Emmanus, Hellertown, Whitehall, Cetronia, East
Texas, Lanark, Dorneyville, Wagnersville, Catasauqua, Walbert, Farmersville, Stiles, Friedensville, Mechanicsville,
Hanover, North Catasauqua, Stroudsburg, Springfield, King of Prussia, Woodlyn, Chester, Norwood, Ridley Park,
Prospect Park, Folcroft, Darby, Swarthmore, Drexel Hill, Rutledge, Yeadon, Upper Darby, Secane, Milmont Park,
Garden City, Wallingford, Morton, Aldan, Primos, Pilgrim Gardens, Colwyn, Lester, Essington, Eddystone,
Landsdowne, Fernwood, Milbourne, Havertown, Broomall, Penn Wynne, Merion Station, Wynnewood, Haverford, Penn
Valley, Bala-Cynwyd, Ardmore, Rosemont, Overbrook, Belmont Hills, Villanova, Rebel Hill, Gulph Mills, Gladwyne,
Conshohocken, Kings Manor, Swedeland, Swedesburg, Bridgeport, Norristown, Lafayette Hill, Plymouth Meeting,
Erdenheim, Oreland, Flourtown, Ardsley, North Hills, West Conshohocken, La Mott, Cheltenham, Melrose Park, Elkins
Park, Glenside, Wyncote, Roslyn, Abington, Huntingdon Valley, Hatboro, Meadowbrook, Jenkintown, Hollywood,
Rockledge, Somerton, Bustleton, Torresdale, Holmesburg, Tacony, Kensington, Feltonville, Frankford, Olney,
Andalusia, Cornwells Heights, Bridgewater, Croydon, Bensalem, Nottingham, Bristol, Edgely, Newportville, West
Bristol, Strafford, Devon, Berwyn, Port Kennedy, Newtown Square, Gradyville, Cheyney, Concordville, Narberth,
Milltown, Westtown, Trainer, Marcus Hook, West Chester, Lancaster, York, Reading, Allentown, Bethlehem, Pottstown,
Coatesville, Kulpsville, Warminster, Montgomeryville, Levittown, Valley Forge, Malvern, Green Tree, Paoli, Devault,
Chatwood, Goshenville, Sugartown, Glenloch, Chester Springs, Audubon, Eagleville, Evansburg, Worcester, Blue Bell,
Center Square, Fort Washington, Philadelphia, Doylestown, Chalfort, Quakertown, Perkasie, Sellersville, Soudertown,
Willow Grove, Warrington, Morrisville, Ambler, Lower Gwynedd, Washington Crossing, New Hope, Richboro,
Feasterville, Southampton, Langhorne, Holland, Newtown, and Yardley, PA.
|
|
Website Builder - InsuranceWebsiteServices.com
|
|
Copyright 2004-2021 PA Group Insurance, LLC - All rights reserved
|
|
**The information, pictures, and other content in this website about particular insurance services is only provided for
informational purposes. Any decisions regarding your insurance needs should be discussed with a licensed insurance
agent.
Please be advised that insurance coverage cannot be bound, changed or confirmed via voicemail, email, fax or online at
the agency's website. You must speak directly with a licensed insurance agent.
|
|
Medicare Supplemental Insurance
|