Senior Health Insurance

Medicare Supplement Benefits Comparison   

Monthly Rates From Companies We Represent

     • Plan A
     • Plan B
     • Plan C
     • Plan D

     • Plan E
     • Plan F
     • High Deductible Plan F
     • Plan G

     • Plan H


Guide To Health Insurance For People With Medicare

 

Medicare Supplement

Private insurance companies sell Medicare Supplement Insurance. There are 12 standardized plans — named A through L — plus two “high deductible” options. While coverage under a standardized plan is exactly the same regardless of the issuing company, premiums may vary widely by company and geography.

Companies offering Medicare Supplement Insurance normally do not offer all 12 plans. The following 8 plans are commonly available and are popular with many Medicare beneficiaries: A, B, C, D, E, F, G, and High Deductible F. All plans include the “Basic Coverage” which makes up Plan A.

COMPARE MEDICARE SUPPLEMENT PLANS

BASIC BENEFITS: Included in All Plans

Hospitalization: Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.

Medical Expenses: Part B coinsurance (20% of Medicare-approved expenses).

Blood: First three pints of blood each year.
  Basic Benefits Skilled Nursing Coinsurance Part A Deductible Part B Deductible Part B Excess (80%) Part B Excess (100%) Foreign Travel Emergency At-Home Recovery Preventive Care
PLAN A                
PLAN B              
PLAN C
       
PLAN D
     
 
PLAN E
       
PLAN F
 
   
PLAN F
High Deductible
 
   
PLAN G
   
 
PLAN H
         
PLAN I
   
 
PLAN J
 


Click here for information to help determine which plan option best fits your needs.

Plan A
The basic Medicare Supplement plan. It provides coverage for:
•  Part A Hospital coinsurance (Days 61-90)
•  Lifetime Reserve coinsurance (Days 91-150)
•  365 Lifetime Hospital Days
•  Parts A and B Blood
•  Part B Coinsurance

Plan B
Offers all the benefits of Plan A plus:
•  Part A Hospital Deductible (Days 1-60)

Plan C
Offers all the benefits of Plan B plus:
•  Skilled nursing facility coinsurance (Days 21-100)
•  Part B Annual Deductible
•  Foreign travel emergency coverage
Plan D
Offers basically the same benefits of Plan C, but does not pay the Part B deductible. It also offers:
•  At-Home Recovery up to $40 per visit, maximum of $1,600 per year.

Plan E
Offers basically the same benefits of Plan C, but does not pay the Part B deductible. It also offers:
•  Preventive Care Benefit (up to $120 per year)

Plan F
Offers the same benefits as Plan C plus:
•  Medicare Part B Excess Charge coverage at 100%

Plan F – High Deductible Offers all the benefits of Plan F with a much lower premium, but a deductible must be paid first.

Plan G
Offers basically the same benefits of Plan F, but does not pay the Part B deductible. It also offers:
•  At-Home Recovery up to $40 per visit, maximum of $1,600 per year
•  Medicare Part B Excess Charge coverage at 80%.

Plan H

Offers basically the same benefits of Plan C, but does not pay the Part B deductible.

Plan I

Offers basically the same benefits of Plan F, but does not pay the Part B deductible. It also offers:
•  At-Home Recovery up to $40 per visit, maximum of $1,600 per year
•  Medicare Part B Excess Charge coverage at 100%.

Plan J

Offers basically the same benefits of Plan F. It also offers:
•  At-Home Recovery up to $40 per visit, maximum of $1,600 per year
•  Preventive Care Benefit (up to $120 per year)

 

Medicare Supplement Rate Comparisons

Click here for a free quote on a Medicare Supplement plan designed just for you


The following are the rates from various companies we represent for Medicare Supplement insurance. These rates are for information purposes only and are subject to approval.

Plan A
Plan B
Plan C
Plan D

Plan E
Plan F
High Deductible Plan F
Plan G

Plan H

Click here for a free quote on a Medicare Supplement plan designed just for you



 
 
Gerber
(AARP) United
Lincoln
United
Bankers
 
Life**
HealthCare
Heritage**
   World**
Fidelity**
Under 65
  98.46
120.75
93.88
 100.45
85.00
Age 65
  84.62
  87.07
75.47
  96.45
75.00
Age 66
  87.52
  87.07
75.47
  96.45
75.00
Age 70
100.09
125.25
84.97
 109.63
85.00
Age 75
110.99
137.97
98.88
127.54
89.00
Age 80
117.18
137.97
108.54
139.09
89.00
 
Lincoln
(AARP) United
CareFirst
United
Bankers
 
Heritage**
HealthCare
BC/BS
   World**
   Fidelity**
Under 65
NA
NA
NA
NA
219.00
Age 65
98.21
122.42
130.87
118.23
122.00
Age 66
98.21
122.42
130.87
118.23
122.00
Age 70
111.21
175.75
190.05
134.38
137.00
Age 75
131.11
193.52
225.32
156.34
155.00
Age 80
145.86
193.52
259.36
170.49
163.00
 
Family
Standard
(AARP) United
United
Lincoln
 
Life**
Life & Accid**
HealthCare
World**
Heritage**
Under 65
156.17
264.10
373.75
283.62
182.43
Age 65
119.83
151.63
144.12
125.77
117.62
Age 66
119.83
151.63
144.12
125.77
117.62
Age 70
142.92
155.17
206.75
142.97
131.86
Age 75
172.08
178.19
227.62
166.34
153.94
Age 80
195.58
212.19
227.62
181.38
170.60

Are you paying too much? Call Us.


*Rates effective as of 3/1/2010. Please check with our representative for current rates.
**Female non-smoker rates

14 Sunday Court      Reisterstown, Maryland 21136

Local: (410) 517-1017 • Toll Free: (800) 655-5275 • Fax: (410) 526-7448


 
United
(AARP) United
Guarantee
Standard
Lincoln
 
World
HealthCare
Trust
Life & Accid**
Heritage**
Under 65
NA
NA
NA
NA
NA
Age 65
114.28
134.50
138.31
104.72
101.38
Age 66
114.28
134.50
142.99
104.72
101.38
Age 70
129.91
193.00
162.48
107.16
115.04
Age 75
151.14
212.50
186.35
123.06
135.95
Age 80
164.81
212.50
208.33
146.54
151.94


Plan E*

Standard
Family
American
American
(AARP) United
Life & Accid**
Life
Progressive**
National**
HealthCare
Under 65
NA
NA
NA
NA
NA
Age 65
  98.96
111.00
159.66
103.27
135.02
Age 66
  98.96
111.00
159.66
103.27
135.02
Age 70
101.27
132.08
190.30
113.72
193.75
Age 75
116.30
156.75
224.70
130.19
213.32
Age 80
138.48
178.25
251.18
154.64
213.32

Plan F*


 
Family
Gerber
  United
(AARP) United
Lincoln
 
Life**
Life**
World**
HealthCare
Heritage**
Under 65
NA
NA
NA
NA
NA
Age 65
124.83
118.11
132.38
144.82
121.20
Age 66
124.83
122.00
132.38
144.82
121.20
Age 70
146.75
139.99
150.49
207.75
135.95
Age 75
175.58
157.94
175.08
228.72
158.52
Age 80
198.33
171.51
190.91
228.72
175.68

High Deductible Plan F*

 
 
CareFirst
United
American
Secure
Standard
 
BC/BS
American
Progressive**
Horizons**
Life & Accid**
Under 65
NA
164.00  
NA
NA
NA
Age 65
42.67
64.00
70.77
61.01
18.41
Age 66
42.67
68.00
70.77
66.20
18.41
Age 70
61.96
84.00
82.86
85.68
18.84
Age 75
73.46
93.00
96.54
109.05  
21.64
Age 80
 84.56 
100.00  
107.02  
137.61  
25.77

 
(AARP) United
Gerber
Standard
United
Family
 
HealthCare
Life**
Life & Accid**
    World**
   Life**
Under 65
NA
NA
NA
NA
NA
Age 65
135.20
102.18
105.25
126.07
111.08
Age 66
135.20
105.50
105.25
126.07
111.08
Age 70
194.00
121.10
107.70
143.31
132.33
Age 75
213.60
136.98
123.68
166.71
157.08
Age 80
213.60
149.23
147.27
181.81
178.42

 
(AARP) United
Guarantee
     
 
HealthCare
Trust**
     
Under 65
NA
NA
     
Age 65
143.77
92.53
     
Age 66
143.77
95.66
     
Age 70
206.25
108.70
     
Age 75
227.07
124.66
     
Age 80
227.07
139.37
     

 

Click here for a free quote on a Medicare Supplement plan designed just for you.


Long Term Care

Ever consider what would happen in the event you could no longer take care of your most basic daily activities? What if you needed help eating, dressing or bathing yourself?

Click here for a free quote on a long term care plan designed just for you

If you are not a Maryland resident, click here for long term care quotes


1) What is Long-Term Care?
2) What are the chances you will need Long-Term Care?
3) How much does Long-Term Care cost?
4) Does Medicare or Medicare Supplement Policies cover Long-Term Care expenses?
5) Does Medicare or Medicare Supplement Policies cover Assisted Living Facilities?
6) Do you need Long-Term Care Insurance?
7) What is the most significant change in Medicare since 1966?
8) What is the DRG payment system?
9) What is Custodial Care?
10) Why do people buy Long-Term Care Insurance?

For your Guide To Long-Term Care Insurance click here


Medicare does a good job for most people, in most situations. However, due to the changing healthcare delivery system in America today it has left some people with the feeling of getting the short end of the stick. The following information will show you why this is happening, and what you can do to make sure you don't get the short end of the stick.

Does Medicare or my Medicare Supplement Policy cover long-term care expenses?

Coverage is very limited. Medicare's skilled nursing facility benefit (SNF) only covers up to 100 days in a nursing home, and it is very difficult to qualify for this benefit. You must have been:
1) In a Medicare approved facility
2) Hospitalized for 3 days or more before you enter the facility, and
3) Enter the facility within 30 days after your hospital discharge

Most people who enter nursing homes do so to receive Custodial Care which is not covered by Medicare or by Medicare Supplement Policies. Custodial Care is care that could be performed by someone without any professional skills or training. The only kind of care that Medicare covers is Skilled Care or Rehabilitative Care.

Medicare and Medicare Supplements do not cover assisted living facilities.

Medicare does not cover homemaker services or home health aides to give you personal care unless you are homebound and are also getting skilled care.

The most significant change in Medicare since 1966

is that Medicare now pays through the use of DRGs (Diagnostic Related Groups). Medicare pays the hospital a pre-determined set amount for any given illness or procedure, which has led the hospitals to limit the amount of time they will allow you to stay in your hospital bed. These Medicare cuts have forced elderly patients out of the hospital too fast. Many seniors end up having to go right back in the hospital again shortly after they are sent home.

Many surgeries and procedures are now performed on an outpatient basis, where you won't even get to stay overnight. You may have to go home the same day of surgery, regardless if you have someone at home to help you or not. While you are recovering at home you may need assistance with meal preparation, cleaning, shopping, bill paying, doing laundry, you until you are These cuts have helped Medicare save money. That is the good news. The bad news is that these cuts have hurt many people who are on Medicare where you can loose everything. You can loose your home, your savings or be a burden on your children.

Long-term care expense can be the largest expense you will ever have to pay in your lifetime.

It can cost more than your college education. The cost can be larger than any home you have ever bought. It could cost more than any car you have ever purchased, and more than any vacation you have taken. However, most people choose to not even think about this expense until the time comes to start writing checks.
Most estimates are that approximately 50% of all Americans who reach age 65 will need some type of long-term care.

Nursing home expense is the #1 single largest out-of-pocket expense for Medicare's beneficiaries comprising 81% of all health care expenses.

Where would you rather recuperate after a hospital stay? In a nursing home, a friends' home, children's home, a relatives home, your own home? Which would you prefer?

How much does Long-Term Care cost?

The current cost for a home health aide ranges from $9 to $18 per hour. If a home health aide came to your home three times a week for a year, with each visit lasting three hours, it would cost you about $8,400. The average cost for assisted living facilities in the Baltimore/Annapolis and surrounding areas is approximately $2,750 per month, or more than $33,000 per year. The cost for nursing home care depends on the amount and type of care you need and where you get it. The average cost in Maryland is about $4,500 per month, or more than $53,500 per year.

The single most important financial decision the average retired person has to make is deciding…. HOW TO PAY FOR LONG-TERM CARE. If you had to start writing checks for $4,500 per month, in addition to your own regular living expenses, how many months would you be able to continue writing those checks before you had to start making some hard financial decisions?

Click here for a free quote on a long term care plan designed just for you


Planning ahead makes a difference!


Planning ahead will keep you financially sound, providing you with more choices and more control should you require long term care. The secure retirement you and your family have been looking forward to can be assured, but only if you act.
IMPORTANT NOTE:
Once you have decided to use long term care insurance as a means of protecting assets, preserving choices, and assuring your family's lifestyle, it is important to obtain coverage at the earliest possible time. The cost of waiting is high. Long term care insurance premiums are based upon your age at the time you apply for coverage as well as your health history. If you need this protection, you need to act now.

How can I find out more?
Please Click Here to contact us to learn more about how Long-Term Care Insurance can help you plan for your future.

What is Long-Term Care?
Long-term care is the day-in, day-out assistance you need when you have a serious illness or disability that lasts for a period of time and you are not able to take care of yourself. Long-term care refers to a wide range of services and may include home health care, adult day care, care in an assisted living facility, respite care, continuing care communities and in nursing homes. The level of care may be skilled or intermediate, but most frequently is at a custodial or personal level of care. 95% of the people who reside in nursing homes are receiving custodial care. The need for custodial care may be the result of an injury, illness, chronic condition or the frailty of aging where a person requires assistance with activities of daily living (ADLs) such as bathing, dressing, feeding, mobility, toileting, taking medications or continence.

What is Long-Term Care Insurance?
Long-term care insurance is designed to protect your savings in the event you need long-term care - - and not just in a nursing home or an Assisted Living Facility. The policies we offer from the leading long-term care insurers can also cover this care in your own home. It can even pay your family members who meet certain qualifications for providing this care.

Do you need long-term care insurance?
Not everyone needs long term care insurance. If you have limited assets, then Medicaid and community based programs may effectively meet your long-term care needs. If you do have assets to protect, then you probably would not qualify for Medicaid or community based programs. If you want to maintain your independence, and if you want to have the most choices as to where, when, and how care is provided, then long-term care insurance may be your best answer.

Why do people buy long-term care insurance?

  • Assures independence
  • Helps protect your family
  • Provides you with choices
  • Helps protect your retirement savings, property and family assets
  • Gives you peace of mind



Individual Health Insurance

Contact Us for an Individual Health Insurance Plan

A Revolutionary New Solution
For People That Cannot Qualify
For Long Term Care Insurance

No one wants to be sent to a nursing home. Recuperate and get care in the familiar and comfortable setting of your own home through a National Network of in-home service providers.

Services available:

  • Bathing assistance
  • Meal preparation
  • Shopping
  • Toileting
  • Mobility
  • Laundry
  • Homemaking
  • Grooming and personal hygiene
  • Assistance with dressing
  • Other incidental services


A care coordinator will design a Plan of Care and synchronize the care to meet your needs, using only qualified, trustworthy, reliable caregivers.

No age limit

Everyone accepted unless in the hospital, nursing home or has a terminal illness

No claim forms

No co-payments

No prior hospitalization required

You can now remain in your own home - retaining your independence and privacy. Medicare does not cover custodial care.

Be prepared. Protect yourself and your loved ones. Click Here to Contact Us.