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Compare 2008 Plans

Medicare supplement 

The Comprehensive, Plus, and Premium plans supplement medical benefits provided by Medicare Part A and Part B. They also provide benefits for an annual physical, vision, and pharmacy benefits. You may choose whether to include pharmacy benefits in your plan.

With each plan, you will be responsible for some out-of-pocket expenses. (Your prescription drug retail deductible and copayments do not count toward the annual out-of-pocket maximums.) Changes since 2007 appear in bold. 

Benefits What Medicare
Asks You to Pay
in 2008		 What You'll Pay in the
Comprehensive
Plan		 What You'll Pay in the Plus Plan What You'll Pay in the Premium Plan
Annual
Out-of-Pocket
Maximums		 No maximum limit For Part A and Part B benefits: Individual: $2,000 For Part A and Part B benefits: Individual: $1,750 For Part A and Part B benefits: Individual: $1,500
Medicare Limitations Expenses are approved when Medicare deems the benefits to be medically necessary. Care not covered/approved by Medicare will not be covered. All medical benefits are limited to expenses approved by Medicare.
Inpatient Days
1-60*		 For each benefit period, you pay the first $1,024. This is your Part A deductible. You pay up to $390 per benefit period. All other costs are covered at 100%. You pay up to $150 per benefit period. All other costs are covered at 100%. You pay nothing.
Inpatient Days
61-90*		 $256 per day You pay nothing.
Inpatient Days
91-150*		 $512 per day You pay nothing.
Skilled Nursing Facility Days
1-20*		 You pay nothing. You pay nothing.
Skilled Nursing Facility Days
21-100*		 $128 per day;
100-day benefit limit		 You pay nothing. You pay nothing. You pay nothing.

*Limited to expenses approved by Medicare

Benefits What Medicare
Asks You to Pay
in 2007		 What You'll Pay in the
Comprehensive
Plan		 What You'll Pay in the Plus Plan What You'll Pay in the Premium Plan
Home Health Care You pay nothing. You pay nothing for services approved by Medicare.
Durable Medical Equipment You pay 20% of the Medicare-approved amount You pay nothing. You pay nothing. You pay nothing.
Medicare Part B Physician Office Visits You pay 20% after the $135 deductible. You pay up to $20 per office visit. You pay up to $15 per office visit. You pay up to $15 per office visit.
Diagnostic Laboratory Services You pay 100% of the Medicare-approved amount after the annual Part B deductible. You pay nothing. You pay nothing. You pay nothing.
Other Medicare Part B Services You pay a coinsurance or copayment amount, which may vary according to the service. You pay 30% of the remaining Medicare coinsurance. You pay 20% of the remaining Medicare coinsurance. You pay 20% of the remaining Medicare coinsurance.
Outpatient Hospital Services You pay a coinsurance or copay amount, which may vary according to the service. You pay up to $275 of any Medicare coinsurance or copayment. You pay up to $275 of any Medicare coinsurance or copayment. You pay up to $125 of any Medicare coinsurance or copayment.
Routine Physical Exam Office Visit Not covered. You pay 100%. You pay nothing up to $200.

Benefits What Medicare
Asks You to Pay
in 2007		 What You'll Pay in the
Comprehensive
Plan		 What You'll Pay in the Plus Plan What You'll Pay in the Premium Plan
Routine Clinical Laboratory Services & Diagnostic Tests (Performed With Your Routine Physical) You pay a coinsurance or copayment amount, which may vary according to the service and may or may not be subject to the Part B deductible. You pay nothing for clinical laboratory services associated with your routine physical, including, but not limited to, bone mass measurements, colorectal screening, mammograms, Pap smears, pelvic exams, and prostate cancer screening.
Medicare-Approved Chiropractic Services You pay 20% of the Medicare-approved amount. You pay 30% of the remaining Medicare coinsurance (i.e., 6% of the total Medicare-approved amount). You pay 20% of the remaining Medicare coinsurance (i.e., 4% of the total Medicare-approved amount). You pay nothing.
Prescription Drugs: Medco See Medicare prescription drug plan information. See the Prescription Drug Benefits Summary
Vision: EyeMed Not covered (You pay 100%). 12-month benefit for:
  • Eye exam—$10 copayment
  • Lenses—$10 copayment
  • Frames—$130 allowance, plus 20% off balance

Notes:
1. The Prescription Drug Benefit information is only applicable to the Medicare Supplement plans with the pharmacy benefit option.
2. This vision information describes the in-network benefit. See the plan document handbook for details about non-network vision benefits.
3. Vision copayments and the prescription drug deductibles & copayments do not apply to the annual out-of-pocket maximum.

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