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2017 Medicare Supplement Plan L

This page has been updated for 2017

This provides details about Medicare Supplement Plan K.

We rate this plan

Special Notes: 2017 Information

  • Plan L only pays 75% of the $ 1316.00 Part A Deductible. You pay 25% or $329 per benefit period.
  • Plan L does not pay the Part B annual deductible of $ 183.00 once per year.
  • Plan L does not pay any of the Part B excess when you see a provider that does not accept Medicare Assignment.
  • Plan L pays only 15% remainder of Medicare Approved Amounts you pay 5%.
  • Plan L does not pay any of the Part B excess when you see a provider that does not accept Medicare Assignment and those expenses don't count toward the annual out of pocket limit of $2560.
  • Bottom Line: Most people will not find this plan attractive however, the premiums are usually low and the overall cost is lower than a Plan K. You could be out of pocket up to $ 2560 per year.


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2017 Medicare Supplement Plan Comparison.

Choose a letter to see the plan summary.

A B C D F G K L M N

 

Modernized Plan L 2017
MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD
* 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.
Service: HOSPITALIZATION*
Semiprivate room and board, general nursing and miscellaneous services and supplies:
  MEDICARE PAYS PLAN PAYS YOU PAY**
First 60 days All but $1,316 $987 (Part A Deductible) $329**▲
61st through 90th day All but $329 a day $329 a day $0
91st day and after:      
While using 60 lifetime reserve days All but $658 a day $658 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 $164.50 a day

Up to $123.38 a day

$41.12 per day**

101st day and after $0 $0 All costs
Service: BLOOD
 
First 3 pints $0 75% 25%**
Additional amounts 100% $0 $0
Service: HOSPICE CARE
Available as long as you meet Medicare's requirements, your doctor certifies you are terminally ill and you elect to receive these services.
Outpatient Prescription Drugs All but $5 75% co-payment / co-insurance 25% Medicare co-payment/coinsurance**
Inpatient Respite Care All but 5% 75% of Medicare's approved amount 25% of Medicare's approved amount**
**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.
 
Modernized Plan L 2017
MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR*
* Once you have been billed $183 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.

 
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 $183 of Medicare Approved Amounts* $0 $0 $183
Preventive Benefits for Medicare Covered Services Generally 75% or more of Medicare approved amounts Remainder of Medicare approved amounts. All cost above Medicare approved amounts
Remainder of Medicare Approved Amounts Generally 80% Generally 15% Generally 5%**
Part B Excess Charges (Above Medicare Approved Amounts) $0 $0 All cost (and they don't count toward annual out of pocket limit of $2560
Service: BLOOD
First 3 pints $0 50% 50%**
Next $183 of Medicare Approved Amounts* $0 $0 $183 (Part B Deductible)**
Remainder of Medicare Approved Amounts 80% 10% Generally 10%**
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: Medicare-approved services  $0 $0 $183.00**
Remainder of Medicare Approved Amounts 80% 15% 5%**
 
Annual out-of-pocket limit     $2560**
* This plan limits your annual out-of-pocket payments for Medicare-approved amounts to $2560 per calendar year. However, this limit does NOT include charges from a provider that exceed Medicare-approved amounts (these amounts are called " Excess Charges") and you will be responsible for paying the difference in the amount charged by your provider and the amount paid by Medicare for the item of service.     **▲ You will pay half the coat-sharing until you meet the annual out-of-pocket limit of $2560 each calendar year. The amounts that count toward your annual limit are noted with the (**▲)symbol's in the chart above. Once you meet the annual limit, the plan pays 100% of the co-payment and co-insurance for the rest of the calendar year. However, this limit does NOT include charges from your provider that exceed Medicare-approved amounts (these amounts are called " Excess Charges") and you will be responsible for paying the difference in the amount charged by your provider and the amount paid by Medicare for the item of service.

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Publications:

Medicare at a Glance

Medicare & You

Choosing A MediGap Policy

Medicare's Guide to Preventive Services

Your Guide to What Medicare Part A & B Covers


 

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