Medicare Supplement Specialists
Medicare Supplement Insurance

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Medicare Supplement Insurance Plan K

Medigap Plan K covers the basic set of benefits. These basic benefits include most Medicare Part A and B coinsurance amounts, blood, and additional hospital benefits not covered by Original Medicare. Plan K also covers the Part A Deductible(50%) and Skilled Nursing Facilities(50%). Plan K has an out-of-pocket annual limit of $4,660 in 2012.

Part A Hospital Coinsurance

  • Days 61-90 of a hospital stay in each Medicare benefit period.
  • Days 91-150 of a hospital stay. Medicare will only pay for these 60 days once during your lifetime.

Additional Part A Hospital Benefits

  • An extra 365 days of inpatient hospital care after you use your Original Medicare hospital benefits.

 

Part B Coinsurance

  • Pays for the Part B coinsurance at 50% after you meet your annual deductible.

Part A and B Blood Coverage

  • Pays for the first three pints of blood at 50% per calendar year.

Part A Hospice Coinsurance

  • Pays for outpatient prescriptions drug and inpatient respite care coinsurance at 50%.

Part A Deductible

  • In 2014, the Medicare Part A Deductible is $1216.00. Medigap Plan K covers the deductible amount at 50%.

 

Skilled Nursing Facilities

  • In 2014, the co-payment for skilled nursing is $152/day for days 21-100. Medigap Plan K covers the co-payment amount at 50%.

 

Medicare Supplement Plans Benefit Checklist
 
A
B
C
D
F*
G
K
L
M
N
Basic Plan (Part A Coinsurance up to an additional 365 days)
x
x
x
x
x
x
x
x
x
x
Basic Plan (Part B Coinsurance/ Co-payment; 1st 3 Pints Blood; Part A Hospice Care Coinsurance/ Co-payment)
x
x
x
x
x
x
50%
75%
x
100% except up to $20 co-pay for office visits and $50 co-pay for ER visits
Skilled Nursing Co-payment ($152/day for days 21 - 100 for 2014)    
x
x
x
x
50%
75%
x
x
Part A Deductible ($1,216 for 2014)  
x
x
x
x
x
50%
75%
50%
x
Part B Deductible ($147 for 2014)    
x
 
x
         
Part B Excess Charges (additional 15% for providers not accepting Medicare assignment)        
x
x
       
Foreign Travel Emergency    
x
x
x
x
   
x
x
Out-of-Pocket Maximum            
$4,940
$2,470
   

* There is also a high-deductible Plan F ($2,140 in 2014).

The Facts

The Insurers

Medicare Supplement Insurers
 

The States

Click on your state to view the insurance companies we're contracted with in your area.

Medicare Supplement Plans by State
Alabama Delaware Indiana Massachusetts Nevada Oklahoma Texas
Alaska D.C. Iowa Michigan New Hampshire Oregon Utah
Arizona Florida Kansas Minnesota New Jersey Pennsylvania Vermont
Arkansas Georgia Kentucky Mississippi New York Rhode Island Virginia
California Hawaii Louisiana Missouri North Carolina South Carolina Washington
Colorado Idaho Maine Montana North Dakota South Dakota Wisconsin
Connecticut Illinois Maryland Nebraska Ohio Tennessee Wyoming

 

 

 

 

Site Map

Plan A | Plan B | Plan C | Plan D | Plan F | Plan High Deductible F | Plan G | Plan K | Plan L | Plan M | Plan N

 

Medicare Supplement Specialists is not connected with or endorsed by the United States Government or the federal Medicare program. Copyright (c) 2010. medicaresupplementspecialists.com. All rights reserved.