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The purpose of this page is to discuss California Medicare Supplement additional benefits help. As well as having the core benefits a Medicare Supplement may also have extra coverages. The additional benefits a policy can have must be in one of the ten possible benefit combinations allowed by the federal government. These possible combinations of benefits are called Plan A through Plan F. Covering for at-home recovery. This 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. Paying the Medicare Part A deductible per benefit period. Paying the Medicare Part A coinsurance for the 21st to the 100th day of care in a skilled nursing facility. The additional benefits a plan may offer are: Paying 80% of the billed charges for emergency treatment, physician services and other medical services received in a foreign country that is medically necessary. The 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 care that would be covered by Medicare if the care been received in the U.S. Covering the Medicare Part B deductible. Paying the Medicare Part B excess charges. Depending on the plan selected, this coverage can be either 80% or 100%. Pays for 50% of outpatient prescription medication costs. This coverage has a deductible and there is a limit on how much the plan will pay in a year for prescriptions. Pays for a variety of preventive care services not covered by Medicare. There is an annual limit on this benefit. It is also possible for extra benefits to be offered in Medicare Supplement policies, but these additional benefits must be approved by the state insurance commissioner. We have helped Californians with their Medicare Supplement needs for well over twenty years. We want to assist you with your Medigap needs. Let us answer your Medicare questions. We will find the right coverage for your needs. When you have questions regarding Medicare Supplements then call us. We can give you the information you need right now. One phone call or email to us can take the frustration and solve your problem. |