Oregon Medicare Supplements

Medicare Supplement Changes

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

*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.

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

Medicare Benefits Part B