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This internet web page details California Medicare Supplement Plan J benefits. With the different Medicare Supplements available in California deciding which one is correct for an individual. Factors such as whether an individual takes prescriptions and the general state of their health influence which plan is best. The benefits provided by the various plans varies greatly. It is a good idea to consult a licensed Medicare Supplement professional when choosing a plan. All modern Medicare Supplement policies must cover a minimum set of benefits. These minimum benefits are called the Medicare Supplement core benefits. A Plan J Medicare Supplement offers the core benefits and more. The Plan J Medicare Supplement benefits are: Covering the Medicare Part A coinsurance amount for the 61st day of hospitalization through the 90th day of hospitalization. Paying the Part A coinsurance amount for the 60 lifetime hospital 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. Covering the 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. Covering 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 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 treatment that would be covered by Medicare had the care been received in the U.S. Covering the Medicare Part B deductible. Paying 100% of the Medicare Part B excess charges. Covers a variety of preventive care services not covered by Medicare. There is an annual limit on this coverage. It is possible for additional benefits to be offered in Medicare Supplement policies, but these extra benefits must be approved by the state insurance commissioner. Let our 20 years of experience help you with your Medicare requirements. We will answer all your questions and give you the information you need to make the correct choice. We will find the best plan for you. Are you confused by the complexity of Medicare Supplements? With the huge amount of information it is very to have trouble finding the answers you need. Don't waste your time trying to find which plan is correct for you. We have the answers you need. |