to $20 co-payment for office visit, and up to $50 copayment Skilled B Co-insurance, except up Basic, including 100% Part Co-insurance Deductible

Transcription

1 STONEBRIDGE LIFE INSURANCE COMPANY OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE BENEFIT PLANS A, F, G AND N These charts show the benefits included in each of the standard Medicare supplement plans. Every company must make available Plan A. Some plans may not be available in your state. See Outlines of Coverage sections for details about ALL plans. Basic Benefits: Hospitalization: coinsurance plus coverage for 365 additional days after Medicare benefits end. Medical Expenses: Part B coinsurance (generally 20% of Medicare-approved expenses) or copayments for hospital outpatient services. Plans K, L and N require insured s to pay a portion of Part B coinsurance or copayments. Blood: First 3 pints of blood each year. Hospice: coinsurance. A B C D F F* G K L M N 100% Par t B Including Part B Part B Part B Excess (100%) Part B Excess (100%) Hospitalization and preventive care paid at 100%; other basic benefits paid at 50% 50% 50% Out-of-pocket limit $4,660; paid at 100% after limit reached Hospitalization and preventive care paid at 100%; other basic benefits paid at 75% 75% 75% Out-of-pocket limit $2,330; paid at 100% after limit reached 50% 100% Part B, except up to $20 co-payment for office visit, and up to $50 copayment for ER *Plan F also has an option called a high deductible Plan F. This high deductible plan pays the same benefits as Plan F after one has paid a calendar year $2,070 deductible. Benefits from high deductible Plan F will not begin until out-of-pocket expenses exceed $2,070. Out-of pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare deductibles for Part A and Part B, but do not include the plan s separate foreign travel emergency deductible. Please note: High deductible Plan F is currently not available as part of this program.

2 Monthly Rates by Plan - Oregon Non-Tobacco Rates Tobacco Rates Plan A Plan F Plan G Plan N Attained Plan A Plan F Plan G Plan N Female Male Female Male Female Male Female Male Age Female Male Female Male Female Male Female Male Under For Quarterly, Semi-Annual and Annual Premium Modes, multiply monthly rates by 3, 6 and 12 respectively For Tier 1 rates multiply by 1.1 and for Tier 2 rates multiply by 1.2 Rates quoted above are per person and based upon individual age. Rates increase every year on the anniversary date of your policy/certificate, as you grow older. Neither Stonebridge Life nor its agents are connected with Medicare. FOR AGENT USE ONLY. NOT FOR PUBLIC DISSEMINATION. Rates effective as of 10/01/13. Home Office: Rutland, VT OR a Transamerica Company

3 Stonebridge Life Insurance Company Administrative Office: 4333 Edgewood Rd. NE Cedar Rapids, Iowa PREMIUM INFORMATION RIGHT TO RETURN POLICY This outline of coverage does not We, Stonebridge Life Insurance Company, can If you find that you are not satisfied with your give all the details of Medicare only raise your premium if we raise the premium Policy, you may return it to Stonebridge Life coverage. Contact your local Social for all policies like yours in this state. Insurance Company, 4333 Edgewood Road, Security Office or consult Medicare Cedar Rapids, Iowa and You for details. However, because the premium rate is based upon your attained age, the premium will increase as you If you send the Policy back to us within 30 COMPLETE ANSWERS ARE age from age 65 through age 95. This annual change days after you receive it, we will treat the VERY IMPORTANT will occur on each Policy Renewal Date. Policy as if it had never been issued and When you fill out the application for return all of your payments. the new Policy, be sure to answer There will be a one-time enrollment fee of $25.00 truthfully and completely all added to the first premium. POLICY REPLACEMENT questions about your medical and If you are replacing another health health history. The company may DISCLOSURES insurance Policy, do NOT cancel it until you cancel your Policy and refuse to Use this outline to compare benefits and premiums have actually received your new Policy and pay any claims if you leave out or among policies. are sure you want to keep it. falsify important medical information. READ YOUR POLICY VERY CAREFULLY NOTICE Review the application carefully This is only an outline describing your Policy s most This Policy may not fully cover all of your before you sign it. Be certain that important features. The Policy is the insurance medical costs. all information has been properly contract. You must read the Policy itself to understand recorded. all of the rights and duties of both you and Stonebridge Life Insurance Company. Neither Stonebridge Life Insurance Company nor its agents are connected with Medicare.

4 PLAN A MEDICARE (PART A) HOSPITAL SERVICES PER BENEFIT PERIOD Services Medicare Pays Plan A Pays You Pay HOSPITALIZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies First 60 days 61 st through 90 th day $296 a day 91 st day and after: While using 60 lifetime reserve days All but $592 a day $592 a day Once lifetime reserve days are used: Additional 365 days 100% of Medicare Eligible Expenses Beyond the additional 365 days All costs SKILLED NURSING FACILITY CARE* You must meet Medicare s requirements, 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 21 st through 100 th day All but $148 a day Up to $148 a day 101 st day and after All costs First 3 pints 3 pints Additional amounts 100% HOSPICE CARE You must meet Medicare s requirements, a doctor s certification of terminal illness. All but $1,216 All but $296 a day All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care Medicare copayment/ coinsurance $1,216 ( ) **

5 PLAN A MEDICARE (PART B) MEDICAL SERVICES PER CALENDAR YEAR Services Medicare Pays Plan A Pays You Pay 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 First $147 of Medicare Approved Amounts* $147 (Part B ) Remainder of Medicare Approved Amounts Generally 80% Generally 20% Part B Excess Charges (above Medicare Approved Amounts) All costs First 3 pints All costs Next $147 of Medicare Approved Amounts* $147 (Part B ) Remainder of Medicare Approved Amounts 80% 20% CLINICAL LABORATORY SERVICES - TESTS FOR DIAGNOSTIC SERVICES 100% PARTS A & B HOME HEALTH CARE MEDICARE APPROVED SERVICES Medically necessary skilled care services and medical supplies 100% Durable medical equipment First $147 of Medicare Approved Amounts* $147 (Part B ) Remainder of Medicare Approved Amounts 80% 20%

6 PLANS F AND G MEDICARE (PART A) HOSPITAL SERVICES PER BENEFIT PERIOD Services Medicare Pays Plan F Pays You Pay Plan G Pays You Pay HOSPITALIZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies First 60 days All but $1,216 $1,216 ( ) $1,216 ( ) 61 st through 90 th day All but $296 aday $296 a day $296 a day 91 st day and after: While using 60 lifetime reserve days All but $592 a day $592 a day $592 a day Once lifetime reserve days are used: Additional 365 days 100% of Medicare Eligible Expenses ** 100% of Medicare Eligible Expenses Beyond the additional 365 days All costs All costs SKILLED NURSING FACILITY CARE* You must meet Medicare s requirements, 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 21 st through100 th day All but $148 a day Up to $148 a day Up to $148 a day 101 st day and after All costs All costs First 3 pints 3 pints 3 pints Additional amounts 100% HOSPICE CARE You must meet Medicare s requirements, a doctor s certification of terminal illness. All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care Medicare copayment/ coinsurance Medicare copayment/ coinsurance **

7 PLANS F AND G MEDICARE (PART B) MEDICAL SERVICES PER CALENDAR YEAR Services Medicare Pays Plan F Pays You Pay Plan G Pays You Pay 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 medical equipment First $147 of Medicare Approved Amounts* $147 (Part B ) $147 (Part B ) Remainder of Medicare Approved Amounts Generally 80% Generally 20% Generally 20% Part B Excess Charges (above Medicare Approved Amounts) 100% 100% First 3 pints All costs All costs Next $147 of Medicare Approved Amounts* $147 (Part B ) $147 (Part B ) Remainder of Medicare Approved Amounts 80% 20% 20% CLINICAL LABORATORY SERVICES---TESTS FOR DIAGNOSTIC SERVICES 100% PARTS A & B HOME HEALTH CARE---MEDICARE APPROVED SERVICES Medically necessary skilled care services an d medical supplies 100% Durable medical equipment First $147 of Medicare Approved Amounts* $147 (Part B $147 (Part B ) ) Remainder of Medicare Approved Amounts 80% 20% 20% OTHER BENEFITS - NOT COVERED BY MEDICARE 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 $250 $250 Remainder of charges 80% to a lifetime Maximum Benefit of $50,000 20% and amounts over the $50,000 lifetime Maximum Benefit 80% to a lifetime Maximum Benefit of $50,000 20% and amounts over the $50,000 lifetime Maximum Benefit

8 PLAN N MEDICARE (PART A) HOSPITAL SERVICES PER BENEFIT PERIOD Services Medicare Pays Plan N Pays You Pay HOSPITALIZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies First 60 days All but $1,216 All but $296 a day $1,216 ( ) $296 a day 61 st through 90 th days 91 st day and after: While using 60 lifetime reserve days All but $592 a day $592 a day Once lifetime reserve days are used: Additional 365 days 100% of Medicare ** Eligible Expenses Beyond the additional 365 days All costs SKILLED NURSING FACILITY CARE* You must meet Medicare s requirements, 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 21 st through 100 th day All but $148 a day Up to $148 a day 101 st day and after All costs First 3 pints 3 pints Additional amounts 100% HOSPICE CARE All but very limited Medicare copayment/coinsurance You must meet Medicare s requirements, a doctor s certification of terminal illness. copayment/coinsurance for outpatient drugs and inpatient respite care

9 PLAN N MEDICARE (PART B) MEDICAL SERVICES PER CALENDAR YEAR Services Medicare Pays Plan N Pays You Pay 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 First $147 of Medicare Approved Amounts* $147 (Part B ) Remainder of Medicare Approved Amounts Generally 80% Balance, other than up to $20 per office visit and up to $50 per emergency room visit. The copayment of up to $50 is waived if the insured is admitted to any hospital and the emergency visit is covered as a Medicare expense. Up to $20 per office visit and up to $50 per emergency room visit. The copayment of up to $50 is waived if the insured is admitted to any hospital and the emergency visit is covered as a Medicare expense. Part B Excess Charges (above Medicare Approved Amounts) All costs First 3 pints All costs Next $147 of Medicare Approved Amounts* $147 (Part B ) Remainder of Medicare Approved Amounts 80% 20% CLINICAL LABORATORY SERVICES---TESTS FOR DIAGNOSTIC SERVICES 100% PARTS A & B HOME HEALTH CARE---MEDICARE APPROVED SERVICES Medically necessary skilled care services and medical supplies 100% Durable medical equipment First $147 of Medicare Approved Amounts* $147 (Part B ) Remainder of Medicare Approved Amounts 80% 20% OTHER BENEFITS NOT COVERED BY MEDICARE 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 $250 Remainder of charges 80% to a lifetime Maximum 20% and amounts over the Benefit of $50,000 $50,000 lifetime Maximum Benefit