Long-Term Care

Mindful of Medigap and consistent with coinsurance

Billing Alert for Long-Term Care, August 1, 2010

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Under the June 1 revisions, Hospice Part A coinsurance is covered as a basic benefit. Medigap Plan K covers 50% of these costs, and Plan L covers 75%.

As of May 31, plans E, H, I, and J ceased to be sold. Beneficiaries who already have one of these plans are able to retain their benefits.

Plans D and G are still available; however, D and G plans bought on or after June 1 include different benefits than D or G plans purchased before June 1. Plans K, L, and N require beneficiaries to pay a portion of Part B coinsurance and copayments, which may result in lower premiums for these plans (all other Medigap policies pay them at 100%). For a complete reference chart detailing the specific benefits of each plan, see p. 4.

Plan N is one of the two new Medigap policies. It covers the basic core benefits, as well as SNF coinsurance, the Part A deductible, and 100% of Part B coinsurance (with the exception of up to a $20 copayment for office visits and up to a $50 copayment for trips to the emergency room).

The other new Medigap policy that became available June 1 is Plan M, which covers the basic core benefits, SNF coinsurance, and 50% of the Part A deductible.

This is an excerpt from a member only article. To read the article in its entirety, please login or subscribe to Billing Alert for Long-Term Care.

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