2018 Medicare Supplement (Medigap) Plans and Sample Premiums Under Age 65

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1 218 Medicare Supplement (Medigap) Plans and Sample Premiums Under Age 65 Standard Medigap Plan Benefits A B C D HOSPITALIZATION Deductible Hospital deductible: days 1-6 P P P P P P 5% 75% 5% P Hospital coinsurance: days 61-15, plus 365 extra days P P P P P P P P P P P Skilled Nursing coinsurance days 21-1 P P P P P 5% 75% P P Hospice - Inpatient respite care coinsurance P P P P P P P 5% 75% P P Blood - irst 3 pints as inpatient P P P P P P P 5% 75% P P OUTPATIENT Part B Deductible P P P Part B medical coinsurance or copays (2%) P P P P P P P 5% 75% P * Partial - see below Part B Excess P P P Preventive Care P P P P P P P P P P P Blood - irst 3 pints as outpatient P P P P P P P 5% 75% Basic P Mental Health Services P P P P P P P 5% 5% Basic P NON-MEDICARE BENEITS oreign travel Emergency Care (Up to plan limit) 8% 8% 8% 8% 8% 8% 8% OTHER COSTS Deductible you pay first, then paid at 1% $2,24 Maximum you pay, then paid at 1% $5,24 $2,62 * Plan N: Includes copays of $2 per office visit and $5 for emergency room visits. (ER visit copay is waived if admitted to hospital.) Plan N pays all other 2% coinsurance in full. This chart is provided as a convenience. The Health Insurance Counseling and Advocacy Program (HICAP) makes no claims to the listed insurers financial status, reputation, sales practices or status in the market place. These SAMPLE premiums were extracted from the California Department of Insurance website at The rates shown on this chart are for non-smokers in the zip code. Premiums can vary by zip code. Always check with the insurance company for complete information. HICAP does not endorse any specific health insurer. Call HICAP for free assistance with Medicare and supplemental insurance at: or Medigap Chart Rev

2 A B C D Aetna Life Insurance $245 $294 $363 $311 Aetna Life Insurance $189 $26 $341 $261 Group policy: the company did not provide any explanation or restriction. American National Life Insurance of Texas americannational.com $27 $375 Individual Policy: Sample rates are for nonsmokers. Anthem Blue Cross California $222 $427 $259 6 Individual Policy: Under the Department of Managed Health Care (DMHC) jurisdiction. or more information, please contact the company or visit California Physicians Services (dba Blue Shield of CA) $613 $834 $699 $899 $298 $375 $572 Individual Policy: Under the Department of Managed Health Care (DMHC) jurisdiction. or more information, please contact the company or visit Colonial Penn Life Insurance $22 $283 $378 $71 $321 $111 $217 $279 $228 Individual Policy: These are preferred rates. Combined Insurance of America $163 $27 Continental Life Insurance of Brentwood, TN $251 $318 $398 $255 Individual Policy: Household discount of 5% is available; rates do not include one-time $2 policy fee Medigap s Under 65

3 A B C D Aetna Everence Life Association Insurance Inc $275 $317 $231 Individual Policy: raternal Benefit Society: Policies available only to those eligible for membership. These are non-tobacco rates. irst Health Life & Health Insurance $211 $278 $35 $259 Gerber Life Insurance $219 $33 Individual Policy: s shown are those for nontobacco users and for open enrollment and other guaranteed issue periods. Globe Life & Accident Insurance $128 $19 $215 $217 Greek Catholic Union of the U.S.A $233 $319 $238 Health Net Life Insurance Health Net Life Insurance $215 $37 $37 $129 $282 $163 $221 $258 $225 $276 $321 $292 $321 $135 $295 $17 $231 $27 Individual Policy: The rates provided are for nongender and for non tobacco/non-smoker users. Individual Policy: These are rates for non-tobacco users. Monthly rates are effective July 1, 216 through June 3, 217. Contact company for more details. Group Policy: Available to Employers/Groups of 5 or more. Humana Insurance $251 $269 $332 $337 $9 $144 $29 $22 9 Individual Policy: Premium listed are preferred rates for non-tobacco users Medigap s Under 65

4 A B C D Aetna Individual Life Assurance Insurance Life, Health & Accident Liberty National Insurance $241 $335 $287 $252 $21 $289 $355 $65 $285 6 Individual Policy: Preferred rates are listed. Preferred rates are non-tobacco rates at all times and are also rates given during Open Enrollment/Guarantee Issue periods only. Loyal American Life Insurance $222 $34 $23 18 Individual Policy: One-time enrollment fee of $2 applied to first premium. s shown are the standard "non-smoker" rates. Mutual of Omaha Insurance $232 $327 $225 Oxford Life Insurance $281 $346 $241 Tobacco rates are 15% greater than the nontobacco rates. Physicians Mutual Insurance $228 $511 $119 $357 $324 IA Individual Policy: s include Early Enrollment Discount where applicable, as approved. This company offers a Deductible Premium Discount Rider on Plan that applies the high deductible for only 3-4 years, with a premium discount off Plan that applies for the life of the policy. Other discounts are also available for ownership of other company products. Sentinel Security Life Insurance $248 $285 $36 $372 Standard Life and Accident Insurance $274 $285 $336 $319 $338 $44 $32 $ Medigap s Under 65

5 A B C D Aetna State arm Life Insurance Mutual Automobile Ins. Contact local State arm agent $167 $31 $34 Thrivent inancial for Lutherans $189 $234 $342 $328 $222 IA Individual Policy: Available to individuals who are, or who are eligible to become members of Thrivent inancial for Lutherans, a fraternal benefit society. Thrivent inancial for Lutherans $186 $222 $39 $297 $25 Individual Policy: Available to individuals who are, or who are eligible to become members of Thrivent inancial for Lutherans, a fraternal benefit society. Transamerica Premier Life Insurance $168 $285 $22 $ Product is marketed by licensed agents. Transamerica Life Insurance United American Insurance $252 $327 $38 $379 $159 $23 $32 $3 $63 $154 $218 $27 $136 $197 $274 $257 $54 $132 $187 $177 United Healthcare Insurance /RP $165 $227 $269 $27 $9 $171 $257 $317 $ IA 6 9 CR Group Policy: Product is marketed to members of affiliated association groups. These are nontobacco rates. Individual Policy: Under 65 rates for Plan B and Plan Deductible are for Open Enrollment and Guarantee Issue Periods only. er Under 65 Plan B and Deductible underwritten rates are available at all times. Group Policy: RP membership required ($16/year). s listed for ages -64 include no discounts. US Life Insurance $195 $262 $ Medigap s Under 65

6 Medicare Supplement (Medigap) Plans Basic Benefits All Medigap plans include the following Basic Benefits: Hospitalization: Part A coinsurance for days 61 to 15, plus 365 extra days Medical expenses: Part B coinsurance generally 2% of the Medicare approved amount Blood: irst 3 pints of blood each year The amount of coverage may vary with the plan you choose. or example, some plans pay 1% toward the Basic Benefits and other plans may pay less. What types of Medigap policies will insurance companies sell? Insurance companies selling Medigap policies are required to make Plan A available. If they offer any other Medigap plan, they must also offer either Plan C or Plan. Insurance companies that sell Medigap policies don t have to offer every letter policy. Each insurance company decides which Medigap policies it wants to sell. Rating ology Each insurance company decides how it will set the price, or premium for its Medigap policies. Medigap policies can be priced or rated in three ways: Attained Age (): The premium is based on the current age and automatically increases, as the person grows older. Typically, these plans appear less expensive at younger ages but can cost considerably more in later years. Issue Age (IA): The premium is based upon the age of the person when the policy is purchased but does not increase automatically as the person ages. The premiums can only increase if it is raised for all similar plans in the geographic area. Community- d (CR): There is no age rating. The premium can only increase if it is raised for all similar plans in the geographic area. Definitions Open Enrollment: A period during which the insurance company cannot impose health screening. Guarantee Issue: A period during which the insurance company cannot impose health screening or a waiting period for pre-existing conditions. Waiting Period for Pre-Existing Condition: A period of six months or less during which a company can refuse to pay claims for a health condition that was treated in the six months prior to purchasing a policy. In most cases a person can use previous health coverage to shorten or eliminate the waiting period. or more Medigap information, please see the California Health Advocates website - Medicare s website - and the California Department of Insurance site - Page 6