Medicare Checklist 2013: Plans A vs. C

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Presentation transcript:

Medicare Checklist 2013: Plans A vs. C Present Plan A Coverage Pays Proposed Plan C Coverage Pays $1,184 per benefit period $1,184 per benefit period Balance Nothing Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day Balance Nothing Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 80% of Approved Charges 20% of Approved Charges 100% of All Excess Charges

Medicare Checklist 2013: Plans A vs. F Present Plan A Coverage Pays Proposed Plan F Coverage Pays $1,184 per benefit period $1,184 per benefit period Balance Nothing Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day Balance Nothing Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 80% of Approved Charges 20% of Approved Charges Nothing

Medicare Checklist 2013: Plans A vs. G Present Plan A Coverage Pays Proposed Plan G Coverage Pays $1,184 per benefit period $1,184per benefit period Balance Nothing Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day Balance Nothing Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Charges 100% of All Excess Charges 80% of Approved Charges 20% of Approved Charges $147 Annual Deductible

Medicare Checklist 2013: Plans A vs. N Present Plan A Coverage Pays Proposed Plan N Coverage Pays $1,184 per benefit period $1,184 per benefit period Balance Nothing Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day Balance Nothing Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Amount Except for $20 Office Co-Pay and $50 ER Co-Pay $147 Annual Deductible $20 Office Co-Pays and $50 ER Co-Pays 100% of All Excess Charges 80% of Approved Charges 20% of Approved Charges

Medicare Checklist 2013: Plans B vs. C Present Plan B Coverage Pays Proposed Plan C Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing $296 per day $296 per day $296 per day Nothing Balance Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 80% of Approved Charges 20% of Approved Charges 100% of All Excess Charges

Medicare Checklist 2013: Plans B vs. F Present Plan B Coverage Pays Proposed Plan F Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day Nothing $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 80% of Approved Charges 20% of Approved Charges Nothing

Medicare Checklist 2013: Plans B vs. G Present Plan B Coverage Pays Proposed Plan G Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day Nothing $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Charges 100% of All Excess Charges 80% of Approved Charges 20% of Approved Charges $147 Annual Deductible

Medicare Checklist 2013: Plans B vs. N Present Plan B Coverage Pays Proposed Plan N Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day Nothing $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Amount Except for $20 Office Co-Pay and $50 ER Co-Pay $147 Annual Deductible $20 Office Co-Pays and $50 ER Co-Pays 100% of All Excess Charges 80% of Approved Charges 20% of Approved Charges

Medicare Checklist 2013: Plans C vs. C Present Plan C Coverage Pays Proposed Plan C Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges $147 Annual Deductible 20% of Approved Charges 80% of Approved Charges 100% of All Excess Charges

Medicare Checklist 2013: Plans C vs. F Present Plan C Coverage Pays Proposed Plan F Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing Balance $148.00 per day $148.00 per day $148.00 per day Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 80% of Approved Charges Nothing

Medicare Checklist 2013: Plans C vs. G Present Plan C Coverage Pays Proposed Plan G Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 20% of Approved Charges 100% of All Excess Charges 80% of Approved Charges $147 Annual Deductible

Medicare Checklist 2013: Plans C vs. N Present Plan C Coverage Pays Proposed Plan N Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Amount Except for $20 Office Co-Pay and $50 ER Co-Pay $147 Annual Deductible $20 Office Co-Pays and $50 ER Co-Pays 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 80% of Approved Charges

Medicare Checklist 2013: Plans D vs. C Present Plan D Coverage Pays Proposed Plan C Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 80% of Approved Charges 20% of Approved Charges 100% of All Excess Charges

Medicare Checklist 2013: Plans D vs. F Present Plan D Coverage Pays Proposed Plan F Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 80% of Approved Charges 20% of Approved Charges Nothing

Medicare Checklist 2013: Plans D vs. G Present Plan D Coverage Pays Proposed Plan G Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Charges 100% of All Excess Charges 80% of Approved Charges 20% of Approved Charges $147 Annual Deductible

Medicare Checklist 2013: Plans D vs. N Present Plan D Coverage Pays Proposed Plan N Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Amount Except for $20 Office Co-Pay and $50 ER Co-Pay $147 Annual Deductible $20 Office Co-Pays and $50 ER Co-Pays 100% of All Excess Charges 80% of Approved Charges 20% of Approved Charges

Medicare Checklist 2013: Plans E vs. C Present Plan E Coverage Pays Proposed Plan C Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 80% of Approved Charges 20% of Approved Charges 100% of All Excess Charges

Medicare Checklist 2013: Plans E vs. F Present Plan E Coverage Pays Proposed Plan F Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $289 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 80% of Approved Charges 20% of Approved Charges Nothing

Medicare Checklist 2013: Plans E vs. G Present Plan E Coverage Pays Proposed Plan G Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Charges 100% of All Excess Charges 80% of Approved Charges 20% of Approved Charges $147 Annual Deductible

Medicare Checklist 2013: Plans E vs. N Present Plan E Coverage Pays Proposed Plan N Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible $20 Office Co-Pays and $50 ER Co-Pays 100% of All Excess Charges 20% of Approved Amount Except for $20 Office Co-Pay and $50 ER Co-Pay 80% of Approved Charges 20% of Approved Charges

Medicare Checklist 2013: Plans F vs. C Present Plan F Coverage Pays Proposed Plan C Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 80% of Approved Charges 100% of All Excess Charges

Medicare Checklist 2013: Plans F vs. F Present Plan F Coverage Pays Proposed Plan F Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 80% of Approved Charges Nothing

Medicare Checklist 2013: Plans F vs. G Present Plan F Coverage Pays Proposed Plan G Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Charges 100% of All Excess Charges 80% of Approved Charges $147 Annual Deductible

Medicare Checklist 2013: Plans F vs. N Present Plan F Coverage Pays Proposed Plan N Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Amount Except for $20 Office Co-Pay and $50 ER Co-Pay $147 Annual Deductible $20 Office Co-Pays and $50 ER Co-Pays 100% of All Excess Charges 80% of Approved Charges

Medicare Checklist 2013: Plans G vs. C Present Plan G Coverage Pays Proposed Plan C Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Charges 80% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 80% of Approved Charges 100% of All Excess Charges

Medicare Checklist 2013: Plans G vs. F Present Plan G Coverage Pays Proposed Plan F Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Charges 80% of All Excess Charges 80% of Approved Charges Nothing

Medicare Checklist 2013: Plans G vs. G Present Plan G Coverage Pays Proposed Plan G Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Charges 80% of All Excess Charges 20% of Approved Charges 100% of All Excess Charges 80% of Approved Charges $147 Annual Deductible

Medicare Checklist 2013: Plans G vs. N Present Plan G Coverage Pays Proposed Plan N Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Amount Except for $20 Office Co-Pay and $50 ER Co-Pay $147 Annual Deductible $20 Office Co-Pays and $50 ER Co-Pays 100% of All Excess Charges 20% of Approved Charges 80% of All Excess Charges 80% of Approved Charges

Medicare Checklist 2013: Plans H vs. C Present Plan H Coverage Pays Proposed Plan C Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 80% of Approved Charges 20% of Approved Charges 100% of All Excess Charges

Medicare Checklist 2013: Plans H vs. F Present Plan H Coverage Pays Proposed Plan F Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 80% of Approved Charges 20% of Approved Charges Nothing

Medicare Checklist 2013: Plans H vs. G Present Plan H Coverage Pays Proposed Plan G Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Charges 100% of All Excess Charges 80% of Approved Charges 20% of Approved Charges $147 Annual Deductible

Medicare Checklist 2013: Plans H vs. N Present Plan H Coverage Pays Proposed Plan N Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Amount Except for $20 Office Co-Pay and $50 ER Co-Pay $147 Annual Deductible $20 Office Co-Pays and $50 ER Co-Pays 100% of All Excess Charges 80% of Approved Charges 20% of Approved Charges

Medicare Checklist 2013: Plans I vs. C Present Plan I Coverage Pays Proposed Plan C Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 80% of Approved Charges 100% of All Excess Charges

Medicare Checklist 2013: Plans I vs. F Present Plan I Coverage Pays Proposed Plan F Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Charges 100% of All Excess Charges 80% of Approved Charges Nothing

Medicare Checklist 2013: Plans I vs. G Present Plan I Coverage Pays Proposed Plan G Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Charges 100% of All Excess Charges 20% of Approved Charges 100% of All Excess Charges 80% of Approved Charges $147 Annual Deductible

Medicare Checklist 2013: Plans I vs. N Present Plan I Coverage Pays Proposed Plan N Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Amount Except for $20 Office Co-Pay and $50 ER Co-Pay $147 Annual Deductible $20 Office Co-Pays and $50 ER Co-Pays 100% of All Excess Charges 20% of Approved Charges 100% of All Excess Charges 80% of Approved Charges

Medicare Checklist 2013: Plans J vs. C Present Plan J Coverage Pays Proposed Plan C Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 80% of Approved Charges 100% of All Excess Charges

Medicare Checklist 2013: Plans J vs. F Present Plan J Coverage Pays Proposed Plan F Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 80% of Approved Charges Nothing

Medicare Checklist 2013: Plans J vs. G Present Plan J Coverage Pays Proposed Plan G Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Charges 100% of All Excess Charges 80% of Approved Charges $147 Annual Deductible

Medicare Checklist 2013: Plans J vs. N Present Plan J Coverage Pays Proposed Plan N Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Amount Except for $20 Office Co-Pay and $50 ER Co-Pay $147 Annual Deductible $20 Office Co-Pays and $50 ER Co-Pays 100% of All Excess Charges 80% of Approved Charges

Medicare Checklist 2013: Plans N vs. C Present Plan N Coverage Pays Proposed Plan C Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Charges Except for $20 Office Co-Pay and $50 ER Co-Pay $147 Annual Deductible 20% of Approved Charges 80% of Approved Charges 100% of All Excess Charges

Medicare Checklist 2013: Plans N vs. F Present Plan N Coverage Pays Proposed Plan F Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Charges Except for $20 Office Co-Pay and $50 ER Co-Pay $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 80% of Approved Charges Nothing

Medicare Checklist 2013: Plans N vs. G Present Plan N Coverage Pays Proposed Plan G Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Charges Except for $20 Office Co-Pay and $50 ER Co-Pay 20% of Approved Charges 100% of All Excess Charges 80% of Approved Charges $147 Annual Deductible

Medicare Checklist 2013: Plans N vs. N Present Plan N Coverage Pays Proposed Plan N Coverage Pays $1,184 per benefit period $1,184 per benefit period $1,184 per benefit period Balance Nothing Balance $296 per day $296 per day $296 per day Nothing Balance $592 per day $592 per day $592 per day Nothing All Costs Nothing Nothing Nothing Nothing $148.00 per day $148.00 per day $148.00 per day Balance Nothing Nothing All Costs Nothing Nothing All Costs Medicare Doesn’t Pay All Costs Nothing Nothing All Costs $147 Annual Deductible 20% of Approved Charges 100% of All Excess Charges 20% of Approved Charges Except for $20 Office Co-Pay and $50 ER Co-Pay 20% of Approved Amount Except for $20 Office Co-Pay and $50 ER Co-Pay $147 Annual Deductible $20 Office Co-Pays and $50 ER Co-Pays 100% of All Excess Charges 80% of Approved Charges