Medicare Supplements:

Although the benefits are identical for all Medicare Supplemental Insurance Plans of the same type, the premiums may vary greatly from company to company and area to area.

In Oregon there are 25 companies that sell Medicare Supplement Plans. We represent many of them. Please visit our Oregon Health Insurance site for more detailed information.

Oregon Consumer Guide to Medigap & Medicare Advantage Plans Publications Page This site has a pamphlet comparing HMO, PPO and Traditional Plans. We carry the majority of these companies and their Products. The HMO and PPO plans are available in limited areas, while the Traditional plans are available statewide.

The U.S. Government Medicare site and Oregon SHIBA site have a page of publications for further information on Medicare and Insurance, and you can also check out our chart of basic types of medicare supplements.

Medicare Supplemental Insurance Options:

Medicare Advantage Plans are now available in many parts of Oregon! These are the Medicare HMO, PPO & PFFS Plans which have co-payments for Doctors office visits and Hospitals. For information on this type of plan please call 800.884.2343 or send us an email for infomation or complete this contact form.

Oregon Consumer Guide to Medigap & Medicare Advantage Plans Publications Page This site has a pamphlet comparing Medicare Advantage and Medigap Plans. We carry the majority of these companies and their Products. The Medicare Advantage plans are available in limited areas, while the Medigap plans are available statewide. You can view rates for some Medigap Plans, and also for the Medicare Advantage HMO and PPO plans.

Medicare Supplement Changes

Benefit Chart of Medicare Supplement Plans Sold for Effective Dates on or After January 1, 2012

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 copayments for hospital outpatient services. Plans K, L, and N require insureds to pay a portion of Part B coinsurance or copayments.
Blood:	First 3 pints of blood each year.
Hospice:	Part A coinsurance.

A	B	C	D	F/F*	G
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
		Skilled Nursing Facility Coinsurance	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
		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

*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 [$2,070] deductible. Benefits from high deductible plan F will not begin until out-of-pocket expenses exceed [$2,070]. 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.

K	L	M	N
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
50% Skilled Nursing Facility Coinsurance	75% Skilled Nursing Facility Coinsurance	Skilled Nursing Facility Coinsurance	Skilled Nursing Facility Coinsurance
50% Part A Deductible	75% Part A Deductible	50% Part A Deductible	Part A Deductible
		Foreign Travel Emergency	Foreign Travel Emergency
Out-of-pocket limit $[4,660]; paid at 100% after limit reached	Out-of-pocket limit $[2,330]; paid at 100% after limit reached

Medigap Frequently Asked Questions

Why were plans E, H, I and J eliminated?
Plan E was eliminated because the new Plan D would contain exactly the same benefits. Plans H, I and J were eliminated because with the other dropped benefits these plans would also duplicate other plans available.

What will happen if the plan that you have is dropped?
Any plan that was purchased prior to June 2010 will remain inforce. Keep in mind these new plans are for new issues with effective dates of June 2010 and beyond. Your clients’ current Medigap plan is guaranteed renewable for life. Even if their health changes, they cannot be terminated or forced to change to one of the new plans.

What is the new hospice benefit?
All plans will now include the Hospice Benefit as part of the “Core Benefits.” Medicare provides coverage for inpatient respite care up to 5 days less a co-payment amount of 5% of the daily benefit. The new Hospice benefit will pick up this 5% co-pay.

Why was the At-Home Recovery benefit dropped?
It was determined that the benefit was confusing and difficult to understand and administer.

Why was Preventive Care dropped from all plans?
Because Medicare Part B has changed to cover many more preventive benefits, effectively rendering this benefit redundant.

Medicare Benefits For Part A

Benefits For Medicare	2012 Out-Of-Pocket Cost
Part A Benefits	Part A Cost
Inpatient Hospital Day 1 Through Day 60	$1,156 Deductible For First Stay During a Year
Day 61 Through Day 90	$289 Per Day 61 Through 90
60 Day "Lifetime Reserve"	$578 Per Day
Skilled Nursing Facility Day 1 through Day 20	$0 Day 1 Through Day 20
Skilled Nursing Facility Day 21 through Day 100	$144.50 Day 21 Through Day 100
Hospice Care For Terminally Ill	Nominal Coinsurance For Drugs And Resite Care

Medicare Benefits Part B

Benefits For Medicare	2012 Out-Of-Pocket Cost
Part B Benefits	Part B Cost
Annual Deductible	$140
Physician And Other Medical Services	20% Of Medicare Approved Amount
Outpatient Hospital Care	20% Of Medicare Approved Amount
Ambulatory Surgical Services	20% Of Medicare Approved Amount
Laboratory Services	$0
Outpatient Mental Health Services	68.75% Of Medicare Approved Amount