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This internet web page discusses CA Medicare Supplemental Plan J benefits. With all the different Medicare Supplementals available in California choosing which one is correct for an individual. Factors such as 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 Supplemental professional when choosing a plan. All currently sold Medicare Supplemental policies must cover a minimum set of benefits. These minimum benefits are called the Medicare Supplemental core benefits. A Medicare Supplemental Plan J offers the core benefits and more. The Plan J Medicare Supplemental benefits are: Paying the Medicare Part A coinsurance amount for the 61st day of hospitalization through the 90th day of hospitalization. Paying the Medicare Part A co-payments for the 60 lifetime reserve days. Covering the Medicare Part A hospital expenses after all Part A hospital benefits have been used up. Paying 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 coverage pays for at-home assistance with the activities of daily living (ADLs) while as long as 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. Covering 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. Covering 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 United States. 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 treatment that would be covered by Medicare if the care been received in the U.S. Covering the Medicare Part B deductible. Covering 100% of the Medicare Part B excess charges. Covers several preventive care services not covered by Medicare. There is an annual limit on this benefit. It is possible for extra benefits to be offered in Medicare Supplemental policies, but these additional benefits must be approved by the state insurance commissioner. Let our 20 years of experience help you with your Medicare Supplement needs. We can answer all your questions and give you the advice you need to make the correct choice. We will find the correct policy for you. Medicare is a extremely complicated subject. There is a huge amount of information availble about Medicare. Finding the information you want can be a tedious and time consuming process. Let us give you all the information you need to know. |