Which Supplement Provides The Best Benefits?

Simply stated, the best Medicare Supplement Plan for your personal situation is the one that fits your needs and your budget. 

We have found over the past 22 years that most people desire the following:

• They want their medical bills to be paid...
• They don't want to hassle with claim forms...
• They want to keep their doctor...

In our estimation- dollar for dollar,  Plan F provides the most comprehensive benefits.

As the chart below indicates, Plan F will cover all of the Medicare Part A and B deductibles, and the 20% Part B co-insurance.  In addition, it will also pay for 100% of any  "Excess Charges"  that might be incurred when you visit a physician who does not accept assignment from Medicare.

With Plan F, you can keep all your doctors! Many of my clients have been seeing the same doctor for 20-30 years. Frankly, to make them switch is unthinkable! Thus, with Plan F, you have total freedom to visit the doctor and hospital of your choice... and you'll never need a referral to see a specialist!

Also, the Medicare Supplements which we offer have an Automatic Claims Filing feature. When you're recovering from an illness, the last thing you want to worry about is 'will the bills get paid'.

This involves:

• reviewing the Explanation of Medicare Benefits forms (EOMB) for accuracy
• making a copy of them for your file
• forwarding them on to the insurance company

With the Automatic Claims Filing feature, all of your claims will be handled automatically!

Let's take a look at how Medicare Supplement F pays in 2004

Part A- Medicare Hospital Insurance