Part A Hospital Services F F-ded G G-ded N
The Part A deductible is $1632 per benefit period
A benefit period starts when you are admitted to a facility
and ends 60 days after you last received inpatient care at any facilityPart A Deductible ($1632)		 $2700 annual deductible applies
You pay all Medicare deductibles, copays and coinsurance until you spend $2700 in a calendar year
After that coverage is 100%
after
ded
 $2700 annual deductible applies
You pay all Medicare deductibles, copays and coinsurance until you spend $2700 in a calendar year
After that coverage is 100%
after
ded
  • The inpatient deductible is $1632 for each benefit period
  • Days 1-60: Medicare covers 100%
  • Days 61-90: You are responsible for $408 per day
  • Days 91 until 60 day lifetime reserve is used up: Your responsibility is $826 per day
  • Beyond lifetime reserve: You are responsible for all costs incurred
Hospital Coinsurance		 $2700 annual deductible applies
You pay all Medicare deductibles, copays and coinsurance until you spend $2700 in a calendar year
After that coverage is 100%
after
ded
 $2700 annual deductible applies
You pay all Medicare deductibles, copays and coinsurance until you spend $2700 in a calendar year
After that coverage is 100%
after
ded
Covers 365 Additional inpatient days after lifetime reserve has been used up365 days extra Hospital coverage
Skilled nursing facility coinsurance $2700 annual deductible applies
You pay all Medicare deductibles, copays and coinsurance until you spend $2700 in a calendar year
After that coverage is 100%
after
ded
 $2700 annual deductible applies
You pay all Medicare deductibles, copays and coinsurance until you spend $2700 in a calendar year
After that coverage is 100%
after
ded
3 Pints of (unreplaced) blood $2700 annual deductible applies
You pay all Medicare deductibles, copays and coinsurance until you spend $2700 in a calendar year
After that coverage is 100%
after
ded
 $2700 annual deductible applies
You pay all Medicare deductibles, copays and coinsurance until you spend $2700 in a calendar year
After that coverage is 100%
after
ded
Part B Services F F-ded G G-ded N
Part B Annual Deductible ($240)



Medicare covers 80% of Part B claims, you are responsible for 20%Part B Coinsurance You pay $20 for Dr. office visits
You pay $50 for emergency room visits$20/$50
Doctors who do not take Medicare Assignment can charge 15% above what medicare allows
Some Medicare Supplement plans cover that extra 15%Part B Excess Charges
Additional Features F F-ded G G-ded N
Out of Pocket Limit NA NA NA NA NA
Hospice coverage $2700 annual deductible applies
You pay all Medicare deductibles, copays and coinsurance until you spend $2700 in a calendar year
After that coverage is 100%
after
ded
 $2700 annual deductible applies
You pay all Medicare deductibles, copays and coinsurance until you spend $2700 in a calendar year
After that coverage is 100%
after
ded
Foreign Travel Emergency
Monthly Rates F F-ded G G-ded N
Anthem
S: 314.76
I: Additional benefits included with Anthem Innovative plan rider
  • Vision: Routine eye exam $25 copay, $100 frame allowance
  • Hearing: Hearing exam every 12 months, $750 annual allowance for hearing aids
  • Nurse help line: Speak with a Registered nurse about health related questions
  • SilverSneakers gym membership
301.09
225.92
243.07
Blue Shield 246.45
S: 202.74
Extra Rider
  • Basic gym access through sliver sneakers fitness program (silversneakers.com)
  • Personal emergency response system
  • Physician consultation by phone or video through Teladoc
  • Over the counter items through CVS (Up to $100 one time use per quarter allowance)
  • The vision benefit includes coverage for exams, frames and lenses ($100 frame allowance)
  • Hearing aid benefit includes an annual hearing aid test and coverage for Vista brand mid-level and premium-level hearing aids for a low copay
  • Acupuncture and chiropractic, up to 20 combined visits per calendar year
  • Identity theft protection
E: 216.69
183.21
Continental (Aetna) 337.43 63.23 247.38
179.08
Health Net
S: 257.00
Additional benefits included with Health Net Innovative plan rider
  • Routine Hearing Exam - One hearing exam every 12 months
  • Hearing Aid(s) - includes fitting evaluation. $1000 maximum for two hearing aids (one pair) or $500 for one hearing aid
  • Routine Eye Exam - One vision exam every 12 months
  • Eyewear - Up to $250 allowance for frame and lens package once every 24 months or contact lens once every 12 months
I: 264.00
 112.00
S: 229.00
Additional benefits included with Health Net Innovative plan rider
  • Routine Hearing Exam - One hearing exam every 12 months
  • Hearing Aid(s) - includes fitting evaluation. $1000 maximum for two hearing aids (one pair) or $500 for one hearing aid
  • Routine Eye Exam - One vision exam every 12 months
  • Eyewear - Up to $250 allowance for frame and lens package once every 24 months or contact lens once every 12 months
I: 227.00
 98.00 194.00
Humana Achieve 211.60
182.86 64.81 143.56
ManhattanLife 232.73
189.56
160.35
National Health Ins 296.66 86.85 252.99
199.80
Physicians Mutual 231.74
202.43
168.54
United American 342.00 61.00 279.00 61.00 225.00
UHC 225.90
176.58
149.58
Prepared for
Zip code: 92804
Age: 70

Blue Shield rates reflect 7% You are eligible for a 7% household premium discount if you reside with another person
who is on the same Blue Shield Medicare Supplement plan, including same Dental plan.
Only one policy will be issued, the second party will be covered as a dependent.household discount
Continental rates reflect 5% You are be eligible for a 5% discount if you reside with another
person covered by Continental Life who is either
(a) your spouse;
(b) someone with whom you are in a civil union partnership;
(c) a permanent resident in your home.household discount
Humana Achieve rates 12% household discount
Manhatten Life rates reflect 7% You are eligible for a 7% household premium discount if
(a) you are married and residing with your spouse or
(b) for the past year you have resided with soneone who is at least 60 years old.household discount
Physicians Mutual rates reflect 10% You are eligible for a 10% household premium discount
if you are marriied
or reside with another person age 60 or over.household discount
UHC rates based on Part B effective less than 10 years
UHC rates reflect 7% You can take 7% off your monthly premiums if
  • two or more members are enrolled under the same AARP membership number
  • and each is insured under an eligible AARP-branded supplemental insurance
    policy insured by UnitedHealthcare Insurance Company.
household discount
Lowest cost plans
# Office Visits per Month
Plan Plan F Plan G Plan N
Carrier Humana UHC Humana
Monthly Premium 211.60 176.58 143.56
  • The monthly cost for Plan F is the same as the premium because coverage 100% for eligible expenses
  • Max monthly cost for Plan G is the premium + Medicare Part B deductible divided by 12
  • Max monthly cost for Plan N is the premium + Medicare Part B deductible divided by 12. Office Visits ($20) and Emergency Room Visits ($50) will incur additonal costs in those amounts.
  • Plan N subscribers could incur Plan B excess charges (up to 15% for any physicain provided service) which are not accounted for in this calculation
 Monthly Cost Max 		211.60 196.58 163.56 + OV
Annual Premium 2,539.26 2,118.96 1,722.76
  • The annual cost for Plan F is the same as the premium because coverage 100% for eligible expenses
  • Max annual cost for Plan G is the premium + Medicare Part B deductible
  • Max annual cost for Plan N is the premium + Medicare Part B deductible. Office Visits ($20) and Emergency Room Visits ($50) will incur additonal costs in those amounts.
  • Plan N subscribers could incur Plan B excess charges (up to 15% for any physicain provided service) which are not accounted for in this calculation
 Annual Cost Max 		2,539.26 2,358.96 1,962.76 + OV