Plan J

This provides details about Medicare Supplement Plan J in 2010.

Plan J is no longer available for sale. If you currently have a plan J you will be grandfathered in and can keep the plan. If you would like to look at the 2019 Modernized plans click here

We rate this plan

Special Notes: 2010 Information

• Plan J pays the Part B excess when you see a provider that does not accept Medicare Assignment.
• Plan J pays the Part B annual deductible of $ 155.00 per year.
• Plan J pays the 20% remainder of Medicare Approved Amounts.
• Plan J includes Foreign Travel Emergency benefits.
• Plan J includes the Basic Benefits, pays the Part A deductible and includes the Skilled Nursing Coinsurance.
• Plan J pays the $ 1100.00 Part A Deductible.
• Plan J pays up to $ 120.00 for preventative not paid by Medicare per year.
• Plan J includes at home recovery.
• Plan J is the most comprehensive Medicare Supplement available.
• Bottom Line you can't buy a better Medicare Supplement.
• The regular Plan J is a winner. We don't recommend the high deductible Plan J because no benefits are paid until your out-of-pocket expenses reach $ 2,000 in 2010.

Call to speak to an agent 1-800-728-9609

 Click here to start your free quote.

As an independent agent we have the lowest rates.

We still like to provide good old fashioned customer service.

Medicare Supplement Plan Comparison. Choose a letter to see the plan summary. A B C D E F G H I J K L   Plan J 2010 or High Deductible Plan J** 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. ** We do not recommend The High Deductible plan J. Plan J without the high deductible is very recommended. This high deductible plan pays the same or offers the same benefits as Plan J after you have paid a calendar year $2000 deductible. Benefits from the high deductible Plan J 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 and prescription drug deductibles. Service: HOSPITALIZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies:   MEDICARE PAYS PLAN PAYS YOU PAY First 60 days All but $1,100 $1,100 (Part A Deductible) $0 61st through 90th day All but $275 a day $275 a day $0 91st day and after:       While using 60 lifetime reserve days All but $550 a day $550 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 $137.50 a day Up to $137.50 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 J 2010 or High Deductible Plan J** MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR* * Once you have been billed $155 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. ** The High Deductible plan J is not recommended. Plan J without the high deductible is very recommended. This high deductible plan pays the same or offers the same benefits as Plan J after you have paid a calendar year $2000 deductible. Benefits from the high deductible Plan J 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 and prescription drug deductibles. 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 $155 of Medicare Approved Amounts* $0 $155 (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 $155 of Medicare Approved Amounts* $0 $155 (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 $155 of Medicare Approved Amounts* $0 $155 (Part B Deductible) $0 Remainder of Medicare Approved Amounts 80% 20% $0 Service: AT HOME RECOVERY SERVICES - Not Covered by Medicare Home care certified by your doctor, for personal care during recovery from an injury or sickness for which Medicare approved a Home Care Treatment Plan: Benefit for each visit $0 Actual charges up to $40 per visit Balance Number of visits covered (must be received within 8 weeks of last Medicare approved visit) 0 Up to the number of Medicare approved visits, not to exceed 7 each week Balance Calendar year maximum $0 $1,600 Balance   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 Service: ***PREVENTIVE MEDICAL CARE -NOT COVERED BY MEDICARE Some annual physical and preventive tests and services administered as ordered by your doctor when not covered by Medicare. First $120 each calendar year $0 $120 $0 Additional charges $0 $0 All costs ***Medicare benefits are subject to change. Please consult the latest Guide to Health Insurance for People with Medicare and the latest Medicare Handbook.

Call to speak to an agent 1-800-728-9609