The Popular Plan F

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Plan F offers one of the most comprehensive Medicare Supplement coverages available for the price. You will be surprised to find that you will get more value for your money with Plan F.

Medicare Supplement Plan F covers:

* A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

**This high deductible plan pays the same or offers the same benefits as Plan F after you have paid a calendar year $2000 deductible. Benefits from the high deductible Plan F will not begin until out-of-pocket expenses are $2000. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the Medicare deductibles for Part A and Part B, but does not include the plan’s separate foreign travel emergency deductible.

Plan F or High Deductible Plan F** MEDICARE (PART A) – HOSPITAL SERVICES – PER BENEFIT PERIOD
Service:	HOSPITALIZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies:
	MEDICARE PAYS	PLAN PAYS	YOU PAY
First 60 days	All but $1,068	$1,068 (Part A Deductible)	$0
61st through 90th day	All but $267 a day	$267 a day	$0
91st day and after:
While using 60 lifetime reserve days	All but $534 a day	$534 a day	$0
Once lifetime reserve days are used:
Additional 365 days	$0	100% of Medicare Eligible Expenses	$0**
Beyond the Additional 365 days	$0	$0	All costs
Service:	SKILLED NURSING FACILITY CARE * You must meet Medicare’s requirements, including having been in a hospital for at least 3 days and entered a Medicare-approved facility within 30 days after leaving the hospital:
First 20 days	All approved amounts	$0	$0
21st through 100th day	All but $133.50 a day	Up to $133.50 a day	$0
101st day and after	$0	$0	All costs
Service:	BLOOD
First 3 pints	$0	3 pints	$0
Additional amounts	100%	$0	$0
Service:	HOSPICE CARE Available as long as your doctor certifies you are terminally ill and you elect to receive these services.
	All but very limited coinsurance for outpatient drugs and inpatient respite care	$0	Balance
**NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy’s “Core Benefits.” During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid.
Plan F or High Deductible Plan F** MEDICARE (PART B) – MEDICAL SERVICES – PER CALENDAR YEAR*
* Once you have been billed $135 of Medicare-Approved amounts for covered services (which are noted with an asterisk), your Medicare Part B Deductible will have been met for the calendar year. ** This high deductible plan pays the same or offers the same benefits as Plan F after you have paid a calendar year $2000 deductible.  Benefits from the high deductible Plan F will not begin until out-of-pocket expenses are $2000.   Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy.  This includes the Medicare deductibles for Part A and Part B, but does not include the plan’s separate foreign travel emergency deductible.
Service:	MEDICAL EXPENSES – In or Out of the Hospital and Outpatient Hospital Treatment, such as Physician’s services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment:
	MEDICARE PAYS	PLAN PAYS	YOU PAY
First $135 of Medicare Approved Amounts*	$0	$135 (Part B Deductible)	$0
Remainder of Medicare Approved Amounts	Generally 80%	Generally 20%	$0
Part B Excess Charges (Above Medicare Approved Amounts)	$0	100%	$0
Service:	BLOOD
First 3 pints	$0	All costs	$0
Next $135 of Medicare Approved Amounts*	$0	$135 (Part B Deductible)	$0
Remainder of Medicare Approved Amounts	80%	20%	$0
Service:	CLINICAL LABORATORY SERVICES
Tests for Diagnostic Services	100%	$0	$0
PARTS  A & B
Service:	HOME HEALTH CARE Medicare Approved Services:
	MEDICARE PAYS	PLAN PAYS	YOU PAY
Medically necessary skilled care services and medical supplies	100%	$0	$0
Durable medical equipment:
First $135 of Medicare Approved Amounts*	$0	$135 (Part B Deductible)	$0
Remainder of Medicare Approved Amounts	80%	20%	$0
OTHER BENEFITS – NOT COVERED BY MEDICARE
Service:	FOREIGN TRAVEL NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA:
First $250 each calendar year	$0	$0	$250
Remainder of charges	$0	80% to a lifetime maximum benefit of $50,000	20% and amounts over the $50,000 lifetime maximum
***Medicare benefits are subject to change. Please consult the latest Guide to Health Insurance for People with Medicare and the latest Medicare Handbook (Link located in our resource page).