Medicare

5 SIMPLE STEPS TO CHOOSING THE
MEDICARE SUPPLEMENT PLAN FOR YOU

With a Medicare Supplement Insurance Policy,  You:

  • Keep your doctors and health care providers who accept Medicare patients
  • See specialists without referrals
  • Take your coverage with you throughout the U.S.
  • Enjoy guaranteed coverage for life
  • Receive benefits with no waiting period
  • Premium discounts available for qualifying individuals
  • Policies available nationwide

Choose a Plan in Just 5 Steps

Understand Original Medicare Insurance Basics

Original Medicare helps pay your hospital and medical health care expenses.
  • Medicare Part A is hospital insurance. This includes coverage for hospital inpatient care and recovery care in skilled nursing facilities, hospice and home health care services

  • Medicare Part B is medical insurance. This helps cover some medically necessary services from doctors and other health care providers plus preventive services

Know What Original Medicare Doesn’t Pay

You already may be familiar with paying a portion of your health care costs. Original Medicare also requires you to pay a share, including:
  • Medicare Part A hospital benefit-period deductible and coinsurance

  • Medicare Part B medical calendar-year deductible, generally 20% coinsurance and charges exceeding the Medicare eligible expenses 

  • Skilled nursing facility coinsurance
You may choose to pay these charges yourself or purchase a Medicare Supplement insurance policy to help pay the difference.

Learn What a Medicare Supplement Plan Can Do

A Medicare Supplement insurance policy helps pay some eligible expenses not paid for by Medicare Part A and Medicare Part B.

All plans offer you these features:
  • You’re Covered Immediately

    There is no waiting period for pre-existing conditions, and benefits are paid from the time your policy is in force.

  • Low and Consistent Out-of-Pocket Costs

    Your Medicare Supplement and Medicare Parts A and B work together to minimize your share of health care costs. With this additional insurance coverage, even unexpected medical events aren’t likely to impact your financial health. Plus, as Medicare deductibles, copayments and coinsurance increase, your Medicare Supplement benefits also increase to help meet your eligible expenses.

  • No Provider Networks, No Referrals

    You decide who you want to see for your care. Any health care provider who accepts Medicare patients accepts Medicare Supplement insurance. You won’t have to find network providers or get referrals to see specialists.

  • Rarely Receive a Bill for Covered Services

    When your health care providers accept Medicare, they bill Medicare for the approved services. Medicare pays its share, and your Medicare Supplement insurance policy pays the rest. The entire process is electronic, so your claims are paid quickly.

  • Keep Your Coverage

    Your Medicare Supplement insurance policy renews as long as you pay the premiums on time and make no material misrepresentations on the application.


    What’s more, the annual Medicare open enrollment and the Affordable Care Act annual election period don’t affect your Medicare Supplement insurance.

  • Your Coverage Goes With You From Coast to Coast

    Just like Medicare, your Medicare Supplement insurance covers your health care needs throughout the United States. That way, you can visit family and friends wherever you choose.

  • Emergency Care Anywhere in the World

    Most Medicare Supplement insurance plans provide limited medically necessary emergency care outside the United States. The benefit is subject to a $250 deductible, 20% coinsurance and a lifetime maximum of $50,000.

Consider How Much Medicare Supplement Coverage You Need

To help you decide which Medicare Supplement insurance plan is right for you, think about what you want the plan to pay and what you can budget for. See the Plan chart in Step 5 for current benefit amounts.Medicare Part A hospital benefit-period deductible and coinsurance.

I want my Medicare Supplement plan to help cover these costs that Medicare doesn’t:

❏  Medicare Part A hospital deductible
❏  Medicare Part B medical deductible
❏  Medicare Part B medical coinsurance
❏  Medicare Part B medical excess charges
❏  Skilled nursing facility coinsurance
❏  Emergency care received outside the U.S.

Budget-Sensitive Options
Ask us how you could save with cost-sharing plans and premium discounts for qualifying individuals.

Select the Medicare Supplement Insurance Plan That’s Right for You

Click the button below to view and print a comparison chart:
Comparison Chart
Medicare Part A Hospital Coverage
  • Deductible

    All plans, except Plan A, pay the inpatient hospital deductible for each benefit period, which begins the first full day you’re hospitalized and ends when you haven’t been in a hospital or skilled nursing facility for 60 days in a row.

  • Coinsurance

    All plans pay Medicare’s coinsurance when you’re hospitalized from the 61st through the 90th day. And, when you’re in the hospital from the 91st day through the 150th day (the 60 Medicare Lifetime Reserve days), the plans pay

    the coinsurance.

  • Extended Hospital Coverage

    When you’re in the hospital longer than 150 days during a benefit period, and you’ve exhausted your 60 Medicare Lifetime Reserve days, all plans pay the Medicare Part A eligible expenses for hospitalization, paid at the rate Medicare would have paid, subject to a lifetime maximum benefit of an additional 365 days.

  • Benefit for Blood

    All plans pay Medicare’s one calendar year deductible for blood, which is the cost of the first three pints needed.

Skilled Nursing Facility Care Benefit
  • Coinsurance

    All plans, except Plan A, pay the coinsurance from the 21st through the 100th day during which you receive skilled nursing care. You must enter a Medicare certified skilled nursing facility within 30 days of being hospitalized for at least three days.

Hospice Care Benefit
  • Outpatient Prescription Drugs

    All plans pay $5 per prescription for outpatient prescription drugs for pain and symptom management.

  • Inpatient Respite Care

     All plans pay 5% of the Medicare- approved amount for inpatient respite care (short-term care given by another caregiver, so the usual caregiver can rest).

Medicare Part B Medical Coverage
  • Deductible

    Plan F pays the calendar-year deductible.

  • Coinsurance

    After the Medicare Part B deductible, all plans pay 20% of eligible expenses. With Plan N, you pay up to a $20 copayment for some office visits and up to a $50 copayment for emergency room visits.


    For hospital outpatient services, the copayment amount will be paid under a prospective payment system. If this system is not used, then 20% of eligible expenses will be paid.

  • Excess Benefits

    Your bill for Medicare Part B services and supplies may exceed the Medicare-eligible expense, resulting in excess charges. When that happens, Plans F and G pay 100% of the difference, up to the charge limitation established by Medicare.

  • Benefit for Blood

    All plans pay Medicare’s one calendar year deductible for blood, which is the cost of the first three pints needed.

Additional Benefit
  • Emergency Care Received Outside the United States

    After you pay a $250 calendar-year deductible, Plans F, G, N and High-Deductible F pay 80% of eligible expenses for health care you need because of a covered injury or illness beginning during the first 60 days of each trip up to a lifetime maximum

    of $50,000.

Medicare Supplement insurance policies do not pay for:

  • any expense incurred before your policy date
  • hospital or skilled nursing facility confinement incurred during a Medicare Part A benefit period that begins while this policy is not in force • expenses paid for by Medicare
  • services for non-Medicare-eligible expenses
  • services for which no charge is made when there is no insurance
  • loss or expense that is payable under any other Medicare Supplement insurance policy or certificate
This is a brief description of your coverage. For complete information on benefits, exceptions and limitations, please read your outline of coverage and your policy.

This is a solicitation of insurance, and an insurance agent will contact you by telephone.
Neither Bronwealth nor the Medicare Supplement insurance policies offered are connected with or endorsed by the U.S. government.
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