View pages 9-12 of the Bureau's Consumer Guide to Medicare Supplement Insurance (PDF) to view the rates currently offered by companies selling Medicare Supplement plans in Maine.
What Medicare Supplement Plans Cover
The Standard Benefit Chart on page 8 of the Guide (PDF) makes it easy to compare the benefits of different plan levels (A-N). These benefits are the same no matter which company you choose.
Core Benefits Included in All Plans
Plan A has basic, core benefits that are all also included in plans B through N. The core benefits are:
- Payment of Medicare Part A co-insurance for the 61st through 90th day in the hospital;
- Payment of Medicare Part A co-insurance for any hospital confinement beyond the 90th day, up to an additional 60 days during the policyholder's lifetime;
- After using all the Medicare hospital inpatient coverage, including the lifetime reserve days, all Medicare-eligible hospital charges will be covered up to 365 additional days during the policyholder's lifetime;
- Coverage for the reasonable cost of the first three pints of blood each year under Medicare Part A and Part B;
- Payment of the 20% co-insurance amount under Medicare Part B (doctor and other medical bills) after the policyholder pays the Medicare Part B deductible. Payment of the 20% co-insurance amount for outpatient mental health services, after the deductible is paid.
- Coverage of Medicare copayment/coinsurance for Hospice when there is a doctor's certification of terminal illness.
Additional Benefits Found in Plans B Through N
The following list describes the additional benefits that may be included in plans B through N. (See page 6 of the Guide (PDF) for current Medicare costs.)
- Medicare Part A Deductible: Payment of all of the Medicare Part A inpatient hospital deductible.
- Skilled Nursing Facility Care: Coverage up to the co-insurance amount from the 21st day through the 100th day in a Medicare benefit period for post-hospital skilled nursing facility care
- Medicare Part B Deductible: Coverage of all of the Medicare Part B deductible. Medicare Part B covers doctor and other medical bills.
- One Hundred Percent of the Medicare Part B Excess Charges: Coverage of the difference between the actual Medicare Part B charge as billed and the Medicare-approved Part B charge, not to exceed any charge limit set by the Medicare program or state law.
- Medically Necessary Emergency Care in a Foreign Country: Payment of 80% of the billed charges for Medicare-eligible expenses for medically necessary emergency care received in a foreign country. The policies that cover foreign travel do so if emergency care begins during the first 60 days of a trip, and if Medicare doesn't otherwise cover the care. This benefit has a $250 calendar year deductible and a lifetime maximum benefit paid of $50,000.
- High Deductible Plans "F" and "G": These high deductible plans offer the same benefits as the regular Plans F and G, but the benefits do not start until after you pay the calendar year deductible (see the chart on page 8 for more information). Some of the expenses you will have to pay to satisfy this high deductible include the Medicare deductibles for Parts A and B. The Foreign Travel Emergency deductible cannot be applied toward the high deductible; it is a separate deductible and must be paid regardless of whether you have met the high deductible.