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The purpose of this web page is to discuss CA Medicare Supplement Plan J benefits. With the different Medicare Supplements available in California choosing which one is right for a persons. Factors like whether an individual takes prescriptions and the general state of their health can influence which plan is best. The benefits provided by the different plans varies greatly. It is a good idea to consult a licensed Medicare Supplement professional when choosing a plan. All currently sold Medicare Supplement plans must cover a minimum set of benefits. These minimum benefits are called the Medicare Supplement core benefits. A Medicare Supplement Plan J offers the core benefits and additional benefits. The Plan J Medicare Supplement benefits are: Paying the Medicare Part A co-payments for the 61st day of hospitalization through the 90th day of hospitalization. Covering the Part A coinsurance amount for the 60 lifetime reserve days. Covering the Medicare Part A hospital expenses after all Part A hospital benefits have been used up. Covering the cost of the first three pints of blood under both Part A and Part B. Paying the Medicare Part B co-payments for Medicare approved charges. Paying for at-home recovery. This pays for at-home assistance with the activities of daily living (ADLs) while a person qualifies for Medicare home health care benefits. This at-home recovery coverage pays for up to a certain amount per visit by the provider and has an annual maximum. Paying the Medicare Part A deductible per benefit period. Paying the Medicare Part A co-payments for the 21st to the 100th day of care in a skilled nursing facility. Paying 80% of the billed charges for emergency treatment, physician services and other medical services received in a foreign country that is medically necessary. This foreign care must begin within 60 days of leaving the U.S. This benefit has a $250 deductible and is also subject to a $50,000 lifetime maximum benefit. This treatment has to be a type of care that would be covered by Medicare if the care been received in the United States. Covering the Medicare Part B deductible. Paying 100% of the Medicare Part B excess charges. Covers several preventive care services that are not covered by Medicare. There is an annual limit on this coverage. It is possible for extra benefits to be offered in Medicare Supplement policies, but these extra benefits must be approved by the state insurance commissioner. Let our twenty years of experience help to guide you with your Medicare Supplement requirements. We can answer all of questions and give you the advice you need to make the best choice. We will find the right policy for you. Are you overwhelmed by the complexity of Medicare? With the vast amount of information it is not difficult to have trouble finding the answers you require. Don't waste your time trying to find which plan is best for you. We have the answers. |