Medicare Supplements - California, Nevada, Arizona, Kansas

Medicare Supplements

ATTENTION SENIORS

Marilyn Grady, age 67, has a total hospital bill of $28,000 based on the following:

$20,000 hospital expenses
$5,000 approved physician expenses
$3,000 skilled nursing care expenses (30 days at $100 per day)

In 2004, Medicare paid $25,044 of the $28,000:

$19,124 (the hospital expense minus the $876 deductible)
$3,920 (80 percent of the approved physician expenses)
$2,000 (all expenses for the first 20 days of skilled nursing care)
$0 (skilled nursing care expenses in excess of $109.50 for days 21-100)

That left Marilyn to pay the remaining $3,051.

Had Marilyn had Medicare Supplement insurance, the coverage would have paid $3,051 (the amount not covered by Medicare), bringing her total to $0.

$876 (Part A deductible)
$1,080 ($100 Part B deductible and 20 percent of the remaining physician expenses approved by Medicare)

$1,095 ($100 a day for days 21-30 of skilled nursing care)

2008 AdvantraRx Program Highlights Feature	2008 Plans		2007 Plans
Plan Names	Value, Premier, Premier Plus
$19.50 - $51.20		$23.20 - $51
Formularies	4 tiers Covers most of the top 200 drugs		4 tiers
Deductible	$0		$0
Initial Coverage Co-pays	Low co-pays for drug costs between $0 and $2,510		Low co-pays for drug costs between $0 and $2,400
	33% coinsurance for tier 4 drugs (high-cost injectables and biologics)	25% coinsurance for tier 4 drugs (high-cost injectables and biologics)
Coverage Gap	No coverage in Value and Premier		No coverage in Value and Premier
	Premier Plus pays for tier 1 drugs with $15 co-pay	Premier Plus pays for tier 1 drugs with $15 co-pay
Catastrophic Coverage	Begins when annual out-of-pocket costs reach $4,050		Begins when annual out-of-pocket costs reach $3,850
	Customer pays the greater of 5% coinsurance or $2.25 for generic/$5.60 for brand-name drugs	Customer pats the greater of 5% of drug costs or $2.15 for generic/$5.35 for brand-name drugs
Mail Order Option	For a 90-day supply: • Two co-pays for tier 1 and tier 2 drugs (preferred generic and preferred brand-name drugs) • Three co-pays for tier 3 drugs (non-preferred and non-generic drugs)		90-day supply for two co-pays
Free Over-the-Counter Prescribed Drugs	Prilosec and Loratadine (restrictions apply)		Prilosec and Loratadine

Age	Gender	Tobacco	Plan A	Plan B	Plan F	Plan G
65	n/a	No	$772.13	$945.25	$1,056.15	$1,005.47
65	n/a	Yes	$887.50	$1,086.49	$1,213.96	$1,155.71
66	n/a	No	$772.13	$945.25	$1,056.15	$1,005.47
66	n/a	Yes	$887.50	$1,086.49	$1,213.96	$1,155.71
67	n/a	No	$772.13	$945.25	$1,056.15	$1,005.47
67	n/a	Yes	$887.50	$1,086.49	$1,213.96	$1,155.71
68	n/a	No	$806.10	$987.02	$1,102.83	$1,049.88
68	n/a	Yes	$926.55	$1,134.51	$1,267.62	$1,206.76
69	n/a	No	$841.88	$1,030.72	$1,151.61	$1,096.38
69	n/a	Yes	$967.68	$1,184.73	$1,323.69	$1,260.21
70	n/a	No	$877.58	$1,074.41	$1,200.47	$1,142.89
70	n/a	Yes	$1,008.71	$1,234.95	$1,379.85	$1,313.67
71	n/a	No	$913.09	$1,117.92	$1,249.07	$1,189.21
71	n/a	Yes	$1,049.53	$1,284.96	$1,435.71	$1,366.91
72	n/a	No	$948.70	$1,161.42	$1,297.75	$1,235.63
72	n/a	Yes	$1,090.46	$1,334.96	$1,491.67	$1,420.26
73	n/a	No	$984.30	$1,205.11	$1,346.53	$1,282.04
73	n/a	Yes	$1,131.38	$1,385.18	$1,547.73	$1,473.61
74	n/a	No	$1,002.56	$1,227.45	$1,371.42	$1,305.74
74	n/a	Yes	$1,152.37	$1,410.86	$1,576.34	$1,500.85
75	n/a	No	$1,020.91	$1,249.79	$1,396.57	$1,329.63
75	n/a	Yes	$1,173.46	$1,436.54	$1,605.25	$1,528.31
76	n/a	No	$1,038.80	$1,271.77	$1,421.09	$1,352.97
76	n/a	Yes	$1,194.02	$1,461.81	$1,633.44	$1,555.14
77	n/a	No	$1,056.78	$1,293.85	$1,445.80	$1,376.59
77	n/a	Yes	$1,214.69	$1,487.18	$1,661.84	$1,582.29
78	n/a	No	$1,074.86	$1,315.92	$1,470.41	$1,399.93
78	n/a	Yes	$1,235.47	$1,512.55	$1,690.13	$1,609.12
79	n/a	No	$1,094.48	$1,339.90	$1,497.30	$1,425.55
79	n/a	Yes	$1,258.02	$1,540.11	$1,721.03	$1,638.56
80	n/a	No	$1,113.37	$1,362.97	$1,523.09	$1,450.16
80	n/a	Yes	$1,279.74	$1,566.63	$1,750.68	$1,666.85
81	n/a	No	$1,131.54	$1,385.13	$1,547.71	$1,473.68
81	n/a	Yes	$1,300.62	$1,592.10	$1,778.98	$1,693.89
82	n/a	No	$1,148.79	$1,406.20	$1,571.41	$1,496.12
82	n/a	Yes	$1,320.45	$1,616.32	$1,806.22	$1,719.68
83	n/a	No	$1,165.14	$1,426.27	$1,593.76	$1,517.28
83	n/a	Yes	$1,339.24	$1,639.39	$1,831.91	$1,744.00
84	n/a	No	$1,180.58	$1,445.17	$1,614.83	$1,537.45
84	n/a	Yes	$1,356.99	$1,661.11	$1,856.13	$1,767.18
85	n/a	No	$1,195.12	$1,462.88	$1,634.54	$1,556.16
85	n/a	Yes	$1,373.70	$1,681.47	$1,878.78	$1,788.69
86	n/a	No	$1,208.46	$1,479.23	$1,652.89	$1,573.60
86	n/a	Yes	$1,389.04	$1,700.26	$1,899.87	$1,808.73
87	n/a	No	$1,220.82	$1,494.39	$1,669.87	$1,589.67
87	n/a	Yes	$1,403.24	$1,717.69	$1,919.39	$1,827.21
88	n/a	No	$1,232.09	$1,508.20	$1,685.22	$1,604.38
88	n/a	Yes	$1,416.19	$1,733.56	$1,937.04	$1,844.12
89	n/a	No	$1,242.16	$1,520.55	$1,699.21	$1,617.56
89	n/a	Yes	$1,427.77	$1,747.76	$1,953.12	$1,859.26
90	n/a	No	$1,254.61	$1,535.72	$1,716.10	$1,633.72
90	n/a	Yes	$1,442.08	$1,765.20	$1,972.53	$1,877.84