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This internet web page explains California Medigap additional benefits. In addition to the core benefits a Medicare Supplement can also have extra benefits. The additional benefits a policy may 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 coverage 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. Covering 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: 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 care has to be a type of treatment that would be covered by Medicare if the care been received in the U.S. Paying the Medicare Part B deductible. Covering the Medicare Part B excess charges. Depending on the plan selected, this coverage can be either at 80% or 100%. Covers 50% of outpatient prescription medication costs. There is a deductible on this coverage and there is also a limit on how much the plan will pay in a given year. Pays for several preventive care services that are not covered by Medicare. There is an annual limit on this benefit. It is possible for additional benefits to be offered in Medicare Supplement plans, but these extra benefits must be approved by the state insurance commissioner. With more than 20 years experience assisting people in California with their Medicare Supplement needs we can help you too. Let us analyze your needs, and assist you with getting coverage. Are you overwhelmed by the complexity of Medicare Supplements? With the large amount of information it is not difficult to have difficulty finding the answers you need. Don't waste your time trying to find which plan is right for you. We have the answers you need. |