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Notice of Changes in Medicare

The following chart briefly describes the modifications in Medicare Part A and B and in your Medicare supplement coverage. Please read this carefully.

Medicare Part A services and supplies 

Medicare Part A Benefits
Services per benefit period Medicare benefits Your Medicare supplement coverage
In 2018, Medicare paid Effective 1/1/2019, Medicare pays In 2018, your coverage paid Effective 1/1/2019, your coverage pays
Hospitalization

Semi-private room and board, miscellaneous hospital services and supplies, such as drugs, X-rays, lab tests and operating room

All but $1,340 for first 60 days

All but $1,364 for the first 60 days

$1,340 for first 60 days (except Basic and Plan A)

Plan L paid $1,005 (75% of Part A deductible) for first 60 days

$1,364 for first 60 days (except Basic and Plan A)

Plan L pays $1,023 (75% of Part A deductible) for first 60 days

All but $335 a day for days 61–90

All but $341 a day for days 61–90

$335 a day for days 61–90

$341 a day for days 61–90

All but $670 a day for days 91–150 (if you choose to use 60 nonrenewable lifetime reserve days)

All but $682 a day for days 91–150 (if you choose to use 60 nonrenewable lifetime reserve days)

$670 a day for days 91–150

$682 a day for days 91–150

Nothing beyond 150 days

Nothing beyond 150 days

Lifetime maximum of 365 additional days beyond 150th day paid at 100% (except Basic paid at 90%)

Lifetime maximum of 365 additional days beyond 150th day pays at 100% (except Basic pays at 90%)

Blood All costs except non-replacement fees (blood deductible) for first 3 pints each calendar year All costs except non-replacement fees (blood deductible) for first 3 pints each calendar year

First 3 pints

Plan L paid 75% for first 3 pints

First 3 pints

Plan L pays 75% for first 3 pints

Skilled nursing facility care

There is a 3-day prior hospital confinement requirement

There is a 3-day prior hospital confinement requirement

There is a 3-day prior hospital confinement requirement

There is a 3-day prior hospital confinement requirement

100% of costs for first 20 days

100% of costs for first 20 days

Nothing for first 20 days

Nothing for first 20 days

All but $167.50 a day for days 21–100

All but $170.50 a day for days 21–100

$167.50 a day for days 21–100 (except Plan A)

Plan L paid $125.62 per day for days 21–100

$170.50 a day for days 21–100 (except Plan A)

Plan L pays $127.87 per day for days 21–100

Nothing beyond 100 days

Nothing beyond 100 days

Plans I, II and III paid 30 additional days per benefit period beyond 100 days

Basic and Plans A, C, E, F, J and L paid nothing beyond 100 days

Plans I, II and III pay 30 additional days per benefit period beyond 100 days

Basic and Plan A, C, E, F, J and L pay nothing beyond 100 days

Depending on your Medicare supplement plan, you have coverage to help pay for health care costs and some services not covered by Medicare. Refer to your benefits policy for your plan details.

Medicare Part B services and supplies

Medicare Part B Benefits
Services Medicare benefits Your Medicare supplement coverage
In 2018, Medicare paid Effective 1/1/2019, Medicare pays In 2018, your coverage paid Effective 1/1/2019, your coverage pays
Physician and Outpatient Services and Supplies

(Including Medicare Part B Drugs)

80% of approved amounts after $183 deductible

80% of approved amounts after $185 deductible

Basic and Plan I, Plan A and Plan E: 20% of approved amount after $183 deductible

Plans II and Plan C: $183 deductible and 20% of approved amounts

Plans III, Plan F and Plan J: $183 deductible and 20% of approved amount, plus any difference between charge and approved amount (Plan III paid up to our UCR amount)

Plan L: Paid 15% of approved amounts after $183 deductible

Basic and Plan I, Plan A and Plan E: 20% of approved amount after $185 deductible

Plans II and Plan C: $185 deductible and 20% of approved amounts

Plans III, Plan F and Plan J: $185 deductible and 20% of approved amount, plus any difference between charge and approved amount (Plan III pays up to our UCR amount)

Plan L: Pays 15% of approved amounts after $185 deductible

Blood

80% of all costs except non-replacement fees (blood deductible) for first 3 pints in each calendar year after $183 deductible

80% of all costs except non-replacement fees (blood deductible) for first 3 pints in each calendar year after $185 deductible

$183 deductible and 20% of costs plus first 3 pints (Note: Basic and Plan I, Plan A and Plan E did not pay $183 deductible)

Plan L: Paid 75% of the first 3 pints and 15% following

$185 deductible and 20% of costs plus first 3 pints (Note: Basic and Plan I, Plan A and Plan E do not pay $185 deductible)

Plan L: Pays 75% of the first 3 pints and 15% following

Out-of-pocket limit

Not applicable (Plan L only)

Not applicable (Plan L only)

Plan L: You paid $2,620

Plan L: You pay $2,780