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The purpose of this page is to explain California Medigap Plan I benefits. With various Medicare Supplements available in California choosing which one is the right one for a persons. Factors like whether an individual takes prescriptions and the general state of their health 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 policies must cover a minimum set of benefits. These minimum benefits are called the Medicare Supplement core benefits. A Plan I Medicare Supplement offers the core benefits and additional benefits. The Plan I Medicare Supplement benefits are: Covering the Part A co-payments 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. Paying the Medicare Part A hospital expenses after all Medicare Part A hospital benefits have been exhausted. 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 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. Paying the Medicare Part A deductible per benefit period. Covering the Medicare Part A coinsurance 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 care has to be a type of treatment that would be covered by Medicare if the care been received in the U.S. Paying 100% of the Medicare Part B excess charges. 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 requirements we can assist you too. Let us analyze your needs, and assist you with getting insurance. Are you overwhelmed by the complexity of Medicare Supplements? With the vast amount of information it is easy 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. |