Medicare Supplement Plans F and G

Protection against high out-of-pocket costs

Plans F and G are the only Medicare Supplement insurance plans that cover costs known as Medicare Part B excess charges. An excess charge is the difference between what a doctor or provider charges and the amount Medicare will pay. These plans will help protect you from additional out-of-pocket expenses should you need treatment that exceeds what Medicare will approve. Plan F also has a high-deductible option*. Plan G covers a percentage of Medicare Part B excess charges.

Medicare Supplement Plan F*

With Medicare Supplement Plan F, you get the most complete coverage available. Because the plan covers costs in excess of Medicare-approved amounts, you may have no out-of-pocket costs for hospital and doctor's office care with this plan.

Medicare Supplement Plan F covers:

• Basic Medicare benefits including
  • Hospitalization: pays Part A coinsurance plus coverage for 365 additional days after Medicare benefits end
  • Medical Expenses: pays Part B coinsurance - generally 20 percent of Medicare-approved expenses - or copayments for hospital outpatient services
  • Blood: pays for the first three pints of blood each year
  • Hospice care: pays Part A coinsurance
• In addition to the basic benefits, Plan F also provides coverage for:
  • Skilled nursing facility care
  • Medicare Part A deductible for hospitalization
  • Medicare Part B deductible for medical and hospital outpatient expenses
  • Medicare Part B excess charges (This is the difference between what a doctor or provider charges and the amount Medicare will pay up to Medicare's limiting amount)
  • Travel-abroad medical emergency help

*Plan F also has a high-deductible option. If you choose the high-deductible option on Medicare Supplement Plan F, you have to pay a deductible of $2,110 for 2013 before the plan pays anything. This amount can go up each year. High-deductible policies have lower premiums, but if you become sick, you'll have higher out-of-pocket costs. Depending on where you live, you may be eligible for Medicare Select Plan F.

Medicare Supplement Plan G

Available from Humana only in Connecticut, Medicare Supplement Plan G is a good fit for people who want some coverage for hospitalization, but are willing to pay the Part B deductible on their own.

Medicare Supplement Plan G covers:

• Basic Medicare benefits including
  • Hospitalization: pays Part A coinsurance plus coverage for 365 additional days after Medicare benefits end
  • Medical Expenses: pays Part B coinsurance – generally 20 percent of Medicare-approved expenses – or co-payments for hospital outpatient services
  • Blood: pays for the first three pints of blood each year
  • Hospice: pays Part A coinsurance
• In addition to the basic benefits, Plan G also provides coverage for:
  • Skilled nursing facility care
  • Medicare Part A deductible for hospitalization
  • Medicare Part B excess charges – 100 percent (This is the difference between what a doctor or provider charges and the amount Medicare will pay)
  • Travel-abroad medical emergency help

Humana's Medicare Supplement Insurance Plans*

Benefits	A	B	C	F**	G	K	L	N
Medicare Part A Coinsurance and Coverage for Hospital Benefits								- $20 copay for office visits; $50 copay for ER
Medicare Part B Coinsurance or Copayment						50%	75%
Blood (First Three Pints)						50%	75%
Hospice Care Coinsurance or Copayment						50%	75%
Skilled Nursing Facility Care Coinsurance						50%	75%
Medicare Part A Deductible						50%	75%
Medicare Part B Deductible
Medicare Part B Excess Charges				100%	100%
Foreign Travel Emergency (Up to Plan Limits)

*Plans offered vary by state.

**Humana also offers a High Deductible Plan F and may offer a Medicare Select Plan F in your area.