BRIDGING THE GAP 2018 MEDICARE SUPPLENMENT COMPARISON (MEDIGAP) GUIDE from the Arkansas Insurance Department division of Senior Health Insurance InformaƟon Program (SHIIP) This booklet contains Page Topic 2 Helpful Resources 3 Types of Medicare Supplement Policies 4 Significant Medicare Insurance Law 5 Special Circumstances for Medigap 6 Buyer Beware and Variables 7 Medicare Cost Part A & B 8 Medigap Plan OpƟons A‐N 9‐50 Medigap Select Plans 51‐54 Medigap Plans 65 and Older 55‐57 Medigap Plans 65 and Younger 52‐53 Glossary 60 Helpful Numbers SHIIP can help in understanding your Medicare choices SHIIP is funded by the AdministraƟon for Community Living, an agency of the U.S. Department of Health and Human Services. SHIIP works to help people save money and make informed decisions about Medicare. SHIIP offers phone and in‐person appointments to discuss Medicare choices and answer quesƟons. SHIIP does not sell insurance or offer legal advice. SHIIP cerƟfied Medicare counselors offer unbiased informaƟon and referral services. 1200 W 3rd St LiƩle Rock, Arkansas 72201 Toll Free: 1‐800‐224‐6330 www.insurance.arkansas.gov FIND US ON FACEBOOK AND TWITTER Medicare Plans Change. People Change. Shop & Compare Plans
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Transcript
BRIDGING THE GAP 2018 MEDICARE SUPPLENMENT COMPARISON (MEDIGAP) GUIDE
from the Arkansas Insurance Department division of Senior Health Insurance Informa on Program (SHIIP)
This booklet contains
Page Topic
2 Helpful Resources
3 Types of Medicare Supplement Policies
4 Significant Medicare Insurance Law
5 Special Circumstances for Medigap
6 Buyer Beware and Variables
7 Medicare Cost Part A & B
8 Medigap Plan Op ons A‐N
9‐50 Medigap Select Plans
51‐54 Medigap Plans 65 and Older
55‐57 Medigap Plans 65 and Younger
52‐53 Glossary
60 Helpful Numbers
SHIIP can help in understanding your Medicare choices
SHIIP is funded by the Administra on for
Community Living, an agency of the U.S.
Department of Health and Human Services.
SHIIP works to help people save money and
make informed decisions about Medicare.
SHIIP offers phone and in‐person
appointments to discuss Medicare choices
and answer ques ons.
SHIIP does not sell insurance or offer legal
advice. SHIIP cer fied Medicare counselors
offer unbiased informa on and referral
services.
1200 W 3rd St Li le Rock, Arkansas 72201 Toll Free: 1‐800‐224‐6330
www.insurance.arkansas.gov FIND US ON FACEBOOK AND TWITTER
Medicare Plans Change. People Change.
Shop & Compare Plans
This guide summarizes the benefits of Medicare Supplement Policies currently approved by the
Arkansas Insurance Department for sale. Inclusion of informa on in this guide regarding a policy
does not, in any way, cons tute an endorsement of the policy or company by the Arkansas
Insurance Department.
For quotes and exact premium cost contact company or agent to purchase.
Be advised that some new policies may have entered the marketplace since this publica on
was printed and will not be included. See the back cover of this publica on, lower le corner
for revision date.
Don't be alarmed if your Medicare Supplement Policy does not appear in this booklet. You
may choose to keep your policy as long as you pay the premium.
Publica on of this guide is for informa on purposes only. Please refer to the policy itself for
the complete and actual terms of coverage since the policy cons tutes the contract between
the insurer and the insured and will ul mately be the basis of final determina ons.
SHOP WITH CAUTION. Do not just buy the cheapest policy without weighing other factors
and determining the company’s financial stability and reputa on for resolving complaints.
AVOID HIGH PRESSURE SALES TACTICS. Take me and avoid being pushed into buying an insurance policy. Do not buy a policy under the pressure of limited enrollment periods or of “last chance to enroll.” Be wary of agents and sales material that imply a policy is connected with or endorsed by the government. Medicare Supplement Insurance and Long‐term Care insurance are not connected with or endorsed by the federal government.
DON’T BE MISLED BY ADVERTISING. Do not buy a policy because celebri es endorse it on television, radio, newspaper, or other adver sements. Ask ques ons before buying a policy.
BE CAREFUL HOW YOU PAY FOR POLICIES. Do not pay in cash. When purchasing Medicare Supplement Insurance, it is always best to pay by check, money order, or bank dra . Premium payments should always be made payable to the insurance company, not the agent selling the policy. If you must pay in cash, be sure to get a company‐authorized receipt signed by the agent.
KEEP YOUR POLICY IN A SAFE PLACE. Select a friend or rela ve in advance to handle your medical affairs in case of illness and let that person know where to locate your policy.
KEEP RECORDS. Write down and keep the correct name, telephone number, and permanent address of the agent and the insurance company. Ask for a toll‐free number in case you need to call long distance. Record important policy, company and agent informa on below and keep it in a safe place.
2
TYPES OF MEDICARE SUPPLEMENT INSURANCE/MEDIGAP
Most companies offer two rates: Preferred and Standard. The monthly premium amount is
based on medical underwri ng. Underwri ng is the method insurance companies use to
evaluate your health status to determine risk and insurability (if they’ll sell you a policy).
Preferred Premium
The Preferred insurance premium is typically
lower than the standard premium. Insurance
companies base their decision to offer a
preferred premium on a variety of factors
including but not limited to: smoking/tobacco
use, weight, cholesterol, blood pressure,
substance abuse, etc.
The Preferred Premiums are offered to those
purchasing during the Medigap Open
Enrollment Period (OEP) as well. See page 9
for more informa on about the Medigap OEP.
Standard Premium
The standard rates apply outside the
Medigap Open Enrollment Period and
for those with less favorable medical
histories.
3
SIGNIFICANT MEDIGAP INSURANCE LAWS
► A free‐look period of 30 days is required, during which me the applicant may return the policy to the insurance company and receive a full refund. The free‐look period begins from the day the applicant receives the cer ficate or policy, not the day of the applica on.
► A pre‐exis ng condi on wai ng period may
extend no longer than six months for health condi ons diagnosed or treated within the six months immediately prior to the applica on. The medical ques onnaire accompanying an applica on should have accurate informa on and should be completed by the applicant, not the agent.
► Should the applicant be replacing a Medicare
supplement policy, no new wai ng period is allowed by the replacing insurer for equivalent coverage.
► For replacement policies, the applicant is
required to sign a replacement form indica ng that he/she understands the hazards of changing.
► No agent in Arkansas may sell a new Medicare
Supplement Policy to anyone who already has a Medicare Supplement unless the applicant agrees to drop his or her previous insurance.
► All Medicare supplement policies must be
guaranteed renewable.
► The 101st Congress (1990) passed strong federal legisla on, which made uniform requirements for Medicare Supplement Insurance policies in each state. Policy holders are not required to change from their old supplemental policies to a policy with the new standards unless they so choose.
► MEDIGAP OPEN ENROLLMENT= A Medicare
supplement insurer may not deny an applicant a policy during the six months period known as the Medigap Open Enrollment Period. The six month period begins with the Medicare beneficiary is BOTH enrolled in Part B and age 65 or older. During this enrollment period an insurance company can not deny a policy based on the applicants health status. This is a one me enrollment period. Once the Medigap Open Enrollment Period begins, it can not be started again.
In Arkansas, there is no open enrollment period for Medicare Beneficiaries who are not yet 65. However, they are en tled to a six‐month Open Enrollment Period when they reach age 65. ► An insurer must suspend Medicare Supplement
Premiums and benefits while the policyholder is en tled to Medicaid. The insurer must reinstate policy benefits upon request if Medicaid en tlement ends. This suspension may last up to two years. Policyholders are responsible for informing the insurer of their Medicaid eligibility within 90 days of eligibility determina on.
MEDIGAP OPEN ENROLLMENT
If Medicaid eligible, may suspend
Medigap for two years.
4
CATEGORY 1:
If a Medicare beneficiary is enrolled in an employer‐sponsored plan and the plan terminates or ceases to provide some or all supplemental benefits to Medicare, or the insured chooses to leave the plan.
Then guarantee issue of Medigap Plans A, B, C, F, K or L with any company selling these plans.
CATEGORY 2:
If a Medicare beneficiary is enrolled in a Medicare Advantage Plan and
the plan’s cer fica on is terminated, or the plan ceases to provide all services, or the enrollee moves out of the service , or the plan violates the contract, misrepresents during
marke ng, or there are other circumstances as determined by HHS
Secretary,
Then guarantee issue of Medigap Plans A, B, C, F, K or L with any company selling these plans.
CATEGORY 3:
If a Medicare beneficiary is enrolled in a Medicare Risk, Cost, Demonstra on, HCPP, or select plan, and
the plan’s cer fica on is terminated, or the plan ceases to provide all services, or the enrollee moves out of the service , or the plan violates the contract, misrepresents during
marke ng, or there are other circumstances as determined by HHS
Secretary,
Then guarantee issue of Medigap Plans A, B, C, F, K or L with any company selling these plans.
CATEGORY 4:
If a Medicare beneficiary is enrolled in a Medigap policy and any of the following occur:
the Insurer becomes insolvent or bankrupt, or there is involuntary termina on of coverage or
enrollment, or there is material viola on of the policy, or
there is material misrepresenta on during marke ng,
Then guarantee issue of Medigap Plans A, B, C, F, K or L with any company selling these plans.
CATEGORY 5:
If a Medicare beneficiary is enrolled in a Medigap policy, terminates it and enrolls for the first me in a Medicare Advantage Plan, Risk, Cost, Demonstra on, HCPP, or Select plan, and disenroll from the chosen coverage within the first 12 months as permi ed under federal law,
Then guarantee issue of Medigap Plans A, B, C, F, K or L with any company selling these plans or his/her prior Medigap plan, if it is s ll available.
CATEGORY 6:
If an individual is first eligible for Medicare Part A at the age of 65, and
enrolls in a Medicare Advantage plan , and disenroll within the first 12 months a er enrollment as
permi ed by federal law,
Then guarantee issue of any Medigap plan sold by any insurer.
CATEGORY 7:
If an individual leaves a Medicare Advantage Plan or drop a Medigap policy because the company has not followed the rules or misled the individual,
Then guarantee issue of Medigap Plans A, B, C, F, K, L, M, or N sold by any insurer.
SPECIAL CIRCUMSTANCES FOR GUARANTEED ISSUE FOR MEDIGAP
If you believe you meet the criteria in one of these categories and have been denied a policy, contact
Federal and state laws guarantee acceptance into Medicare Supplement insurance (Medigap), if a Medicare beneficiary
qualifies in one of seven categories listed below. This means the insurance company can not deny a policy nor impose a
pre‐exis ng wai ng period based on medical history. There is a strict me limit! The Medicare beneficiary has ONLY 63 days
from the date of loss of coverage to apply for a Medigap policy and be granted a guaranteed issue.
The Arkansas Insurance Department is commi ed to seeing that your rights are upheld in all circumstances pertaining to
guaranteed acceptance into Medicare Supplement Insurance.
5
When describing the benefits of Medicare Supplement Plans, all insurers use the same format, language, and defini ons. They are required to use a uniform chart and outline of coverage to summarize the benefits of the plans they offer. These requirements make it easier to compare policies from different insurers. As you shop for a policy, keep in mind that each company’s products are standard, products compete based on price, service, and reputa on.
PRICE. While the benefits are iden cal for all Medicare Supplemental Plans of the same type, the premiums vary from one company to another and from area to area. The plan with the lowest price is not necessarily the best plan. The price should not be the only concern. You may prefer a par cular schedule of payments. Some companies bill the premium each month, while others bill each quarter or once a year. In addi on, prices are based in part on the services a company provides and on their reputa on. Some plans add benefits but remember the basic coverage is the same from plan to plan based on federal law.
CUSTOMER SERVICES. You should ask about the insurer’s customer services. For example, some companies link their computers with the computers at the federal Medicare office to process your health insurance claims without addi onal paperwork. This is called Medicare Crossover. This and other available customer services may be important considera ons in making a decision.
REPUTATION. You should consider the reputa on of the insurer before buying a policy. Find out about the company by asking for referrals, asking others about their experiences, and check out the number of complaints filed at this website
h ps://eapps.naic.org/cis/
POLICY FEE: Some policies add a one‐ me policy fee.
These are not allowed in Arkansas.
UNDERWRITING: Most companies underwrite.
However, a few policies are “guaranteed issue.”
PREMIUM TYPE: The premium for your policy may
increase every year, primarily due to infla on in
medical costs and the use of more advanced
technology. The amount your premium goes up may
depend upon the manner in which the company has
reflected the aging of its policyholders in its rates. The
general approach that companies use are described
below. In Arkansas, the no age ra ng method is used.
1. A ained Age: In addi on to medical infla on and
advancing technology, your premium will also rise
due to the increased use of medical services as
people age.
2. Issue Age: The premium you pay will ini ally be
somewhat higher than under the a ained age
approach because a por on of the ini al premium
is used to pre‐fund the increased claims cost in later
years. As a result, in subsequent years your
premiums should be somewhat less than they
would be under an a ained age approach.
3. No Age Ra ng: Under this approach, the premium
is the same for all customers who buy this policy,
regardless of age.
DIRECT RESPONSE/AGENT: Premiums are basically the
same when comparing a direct response sale to an
agent‐marketed sale.
NON‐SMOKER: Few companies have non‐smoker
discounts.
MEDICARE CROSSOVER: This is one of the more
significant service enhancements that companies can
offer. A “crossover” company has a contract with
Medicare requiring Medicare to send the policyholder’s
balance bills directly to the Medicare Supplement
Insurance Company.
BUYER BEWARE VARIABLES
6
CURRENT COSTS OF MEDICARE
SERVICES BENEFITS MEDICARE PAYS YOU PAY
Hospitaliza on
Semiprivate room, general
nursing, misc. services
First 60 days
61st to 90th day
91st to 150th day
Beyond 150 days
All but $1,340
All but $335 per day
All but $670 per day
Nothing
$1,340 deductible
$335 per day
$670 per day
All charges
Skilled Nursing Facility Care
(SNF) a er a 3 night hospital
stay
First 20 days
21st to 100th day
Beyond 100 days
100% of approved
All but $167.50 per day
Nothing
Nothing if approved
$167.50 per day
All costs
Home Health Care
Medically necessary skilled
Part‐ me care as long
as you meet guidelines
100% of approved Nothing if approved
Hospice Care
For the terminally ill
As long as doctor
cer fies need
All but limited costs for
drugs & respite care
Limited costs for drugs
& respite care
Blood Blood All but first 3 pints First 3 pints
PART A HOSPITAL INSURANCE COVERED SERVICES
SERVICES BENEFITS MEDICARE PAYS YOU PAY
Medical Expense
Physician services & medical
supplies
Medical services in and out
of the hospital
80% of approved
amount (a er $183
deduc ble)
20% of approved
amount (a er $183
deduc ble)
Clinical Laboratory Diagnos c tests 100% of approved Nothing if approved
Home Health Care
Medically necessary skilled
Part‐ me care as long as
you meet guidelines
100% of approved Nothing if approved
Outpa ent Hospital
Treatment
Unlimited if medically
necessary
80% of approved 20% of approved
amount (a er $183
Durable Medical Equipment Prescribed by doctor for
use in home
80% of approved
amount (a er $183
20% of approved
amount (a er $183
PART B MEDICAL INSURANCE COVERED SERVICES
Blood Blood All but first 3 pints First 3 pints
7
Reading the chart: If a “x” mark appears in a column of this chart, the Medigap policy covers 100% of
the desired benefit. If a column lists a percentage, then the policy covers that percentage of the
described benefit. If a column is blank, then the policy does not cover that benefit.
Note: The Medigap policy covers coinsurance only a er you have paid the deduc ble (unless the
Medigap policy also covers the deduc ble).
MEDIGAP PLAN OPTIONS
Medigap Plan Benefits A B C D F G K L M N
Medicare Part A eligible hospital costs up to an addi onal 365 days a er all Medicare hospital benefits are ex‐hausted
X X X X X X X X X X
Medicare Part B Coinsurance or Copay‐ment (20% of Medicare Assignment)
X X X X X X 50% 75% X X
Blood (First 3 Pints) X X X X X X 50% 75% X X
Part A Hospice Care Coinsurance or Copayment
X X X X X X 50% 75% X X
Skilled Nursing Facility Care Copayment (Days 21‐100 = $164.50 per day in 2017)
X X X X 50% 75% X X
Medicare Part A Deduc ble ($1,316.00 per benefit period in 2017)
X X X X X 50% 75% 50% X
Medicare Part B Deduc ble ($183 per year in 2017)
X X
Medicare Part B Excess Charges (up to 15% above Medicare approved amount if provider does not accept Medicare assignment)
X X
Foreign Travel Emergency (Up to Plan Limits)
X X X X X X
Medicare Preven ve Part B Coinsur‐ance (as of 2011 most preven ve screenings no longer require coinsur‐ance payment)
X X X X X X X X X X
8
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing ConditionWaiting Period A
BMedicare Crossover C
DAreas FArea 1 HD-FArea 2 GArea 3 KArea 4 L
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 117.43 137.23 165.47 143.74 169.40 66.74 144.48 x x 129.44 118.53Area 2 112.09 130.99 157.95 137.21 161.70 63.71 137.91 x x 123.56 113.14Area 3 99.28 116.02 139.89 121.53 143.22 56.43 122.15 x x 109.44 100.21Area 4
StandardArea A B C D F HD-F G K L M N
Area 1 130.54 152.35 183.89 159.69 188.20 74.08 160.52 x x 143.74 131.83Area 2 124.61 145.43 175.53 152.43 179.65 70.71 153.22 x x 137.21 125.84Area 3 110.37 128.81 155.47 135.01 159.12 62.63 135.71 x x 121.53 111.46Area 4
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
Medicare N Plan
Medicare G PlanMedicare K PlanMedicare L Plan
Medicare High Deductible F PlanZip Codes Covered
*All other 720 and 721 zip codes
Rest of State
Medicare M Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
* Zip codes beginning with 722 and zip codes 72002, 72053, 72065, 72076, 72078, 72099, 72103, 72113-72120, 72124, 72135, 72142, 72164, 72180, 72183, 72190, 72198, 72199
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 113.04 130.12 x x 154.19 61.65 133.20 x x x 101.63Area 2 125.62 144.61 x x 171.35 68.48 148.03 x x x 112.96Area 3Area 4
StandardArea A B C D F HD-F G K L M N
Area 1 125.48 144.42 x x 171.15 68.44 147.86 x x x 112.81Area 2 139.44 160.52 x x 190.20 76.02 164.32 x x x 125.39Area 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
Other
Yes or No
Yes or No (when applicable)
Aetna Health and Life Insurance Company
800 Crescent Centre Dr., Franklin,TN 37067
(800) 3624-6290
www.aetnaseniorproducts.com
Yes or No (when applicable)
Medicare M PlanMedicare N Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
KEYNo
Medicare High Deductible F PlanMedicare G PlanMedicare K PlanMedicare L Plan
Zip Codes CoveredAll areas not listed for Area 2
720-722
10
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing ConditionWaiting Period A
BMedicare Crossover C
DAreas FArea 1 HD-FArea 2 GArea 3 KArea 4 L
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 163.06 239.08 70.66 105.23 143.18Area 2 171.29 251.15 74.23 110.55 150.41Area 3 181.17 265.64 78.51 116.92 159.09Area 4 189.41 277.72 82.08 122.24 166.32
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 x x x 166.40 x 127.50 x x x 102.40Area 2 x x x 187.30 x 143.30 x x x 114.50Area 3 x x x 228.40 x 174.70 x x x 139.60Area 4
StandardArea A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
* Area 2 - Clark, Cleburne, Conway, Cross, Dallas, Faulkner, Garland, Hempstead, Hot Spring, Howard, Indenendence, Izard, JacksonLawrence, Little River, Lonoke, Nevada, Ouachita, Perry, Pike, Pulaski, Saline, Sevier, Sharp and Van Buren
KEYNo
Medicare High Deductible F PlanMedicare G PlanMedicare K PlanMedicare L Plan
Zip Codes CoveredAll counties not listed in Area 2
*Out of state
Medicare M PlanMedicare N Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Other
Yes or No
Yes or No (when applicable)
Arkansas Blue Cross Blue Shield
P.O. Box 2181, Little Rock, AR,72203-2181
(800) 392-2583
www.arkansasbluecross.com
Yes or No (when applicable)
14
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre-existing ConditionWaiting Period A
BMedicare Crossover Yes C
DAreas FArea 1 HD-FArea 2 GArea 3 KArea 4 L
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 147.47 170.53 205.85 168.71 210.47 x 168.71 x x x 97.61Area 2 160.75 185.88 224.38 183.90 229.42 x 183.90 x x x 106.40Area 3 172.54 199.52 240.85 197.39 246.25 x 197.39 x x x 114.21Area 4
StandardArea A B C D F HD-F G K L M N
Area 1 169.51 196.02 236.61 193.92 241.92 x 193.92 x x x 112.20Area 2 201.72 213.67 257.91 211.38 263.70 x 211.38 x x x 122.30Area 3 198.33 229.35 276.84 226.89 283.05 x 226.89 x x x 131.28Area 4
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
KEYNo
Medicare High Deductible F PlanMedicare G PlanMedicare K PlanMedicare L Plan
Zip Codes Covered716-717, 724-729
718-721722-723
15
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre-existing ConditionWaiting Period A
BMedicare Crossover Yes C
DAreas FArea 1 HD-FArea 2 GArea 3 KArea 4 L
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 112.00 x x x 166.00 48.00 125.00 73.00 x x xArea 2 126.00 x x x 185.00 54.00 140.00 82.00 x x xArea 3Area 4
StandardArea A B C D F HD-F G K L M N
Area 1 135.00 x x x 200.00 58.00 150.00 88.00 x x xArea 2 151.00 x x x 223.00 65.00 168.00 98.00 x x xArea 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
KEYNo
Medicare High Deductible F PlanMedicare G PlanMedicare K PlanMedicare L Plan
Zip Codes CoveredAll other zip codes
720-722
Medicare M PlanMedicare N Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Other
Yes or No
Yes or No (when applicable)
Bankers Fidelity Life Insurance Company
4370 Peachtree Road N.E., Atlanta, GA 30319
(866) 458-7504 x876
www.bflic.com
Yes or No (when applicable)
16
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre-existing ConditionWaiting Period A
BMedicare Crossover Yes C
DAreas FArea 1 HD-FArea 2 GArea 3 KArea 4 L
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 145.63 169.26 208.30 x 215.01 x 143.46 x x x 116.06Area 2 129.30 150.28 184.94 x 190.90 x 127.37 x x x 103.04Area 3Area 4
StandardArea A B C D F HD-F G K L M N
Area 1 161.76 186.02 231.50 x 238.84 x 159.36 x x x 128.95Area 2 143.62 165.16 205.54 x 212.05 x 141.49 x x x 114.49Area 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
KEYNo
Medicare High Deductible F PlanMedicare G PlanMedicare K PlanMedicare L Plan
Zip Codes Covered720-722
Rest of State
Medicare M PlanMedicare N Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Other
Yes or No
Yes or No (when applicable)
Central States Indeminity Co. of Omaha
1212 North 96th St., Omaha, NE 68114
(866( 644-3988
Yes or No (when applicable)
17
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre-existing ConditionWaiting Period A
BMedicare Crossover Yes C
DAreas FArea 1 HD-FArea 2 GArea 3 KArea 4 L
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 198.99 199.54 x x 230.65 46.94 206.62 67.11 136.28 170.79 139.46Area 2Area 3Area 4
StandardArea A B C D F HD-F G K L M N
Area 1 221.10 221.70 x x 256.26 52.15 229.57 74.55 151.43 189.75 154.96Area 2Area 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Area 1 245.67 246.35 x x 284.72 57.94 255.07 82.83 168.25 210.84 172.17Area 2Area 3Area 4
Medicare L Plan
Zip Codes CoveredWhole state
OtherMedicare M PlanMedicare N Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Medicare High Deductible F PlanMedicare G PlanMedicare K Plan
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 115.12 x x x 172.02 x 147.95 x x x xArea 2 125.58 x x x 187.68 x 161.41 x x x xArea 3Area 4
StandardArea A B C D F HD-F G K L M N
Area 1 126.52 x x x 189.17 x 162.67 x x x xArea 2 138.01 x x x 206.37 x 177.46 x x x xArea 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
KEYNo
Medicare High Deductible F PlanMedicare G PlanMedicare K PlanMedicare L Plan
Zip Codes Covered717-720, 724-729
716, 721-723
Medicare M PlanMedicare N Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Other
Yes or No
Yes or No (when applicable)
Companion Life Insurance Company
7909 Parklane Road, Ste 200, Columbia, SC 29223
(800) 753-0404
www.CompanionLife.com
Yes or No (when applicable)
19
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing ConditionWaiting Period A
BMedicare Crossover C
DAreas FArea 1 HD-FArea 2 GArea 3 KArea 4 L
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 215.73 267.10 x x 320.88 x 299.39 x x x 233.62Area 2 190.56 235.94 x x 283.45 x 264.46 x x x 206.36Area 3 179.77 222.58 x x 267.40 x 249.49 x x x 194.68Area 4
StandardArea A B C D F HD-F G K L M N
Area 1 237.41 293.79 x x 252.97 x 329.27 x x x 257.01Area 2 209.71 259.51 x x 311.79 x 290.86 x x x 227.02Area 3 197.84 244.82 x x 294.14 x 274.39 x x x 214.17Area 4
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
*Area 1 - 72002, 72053, 72065, 72076, 72078, 72099, 72103, 72113-72120, 72124, 72135, 72142, 72164, 72180, 72183, 72190, 72198, 72199,and all zip codes beginning with 722
KEY
Medicare High Deductible F PlanMedicare G PlanMedicare K PlanMedicare L Plan
Zip Codes Covered*
All other 720 or 721 zip codesRest of state
Medicare M PlanMedicare N Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Other
Yes or No
Yes or No (when applicable)
Coventry Health and Life Insurance Company
3900 Rogers Road, San Antonio, TX 78251-3635
(800) 843-7421
Yes or No (when applicable)
20
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing ConditionWaiting Period A
BMedicare Crossover C
DAreas FArea 1 HD-FArea 2 GArea 3 KArea 4 L
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 169.12 x x x 261.35 x x x x x 176.22Area 2Area 3Area 4
StandardArea A B C D F HD-F G K L M N
Area 1 202.09 x x x 312.65 x x x x x 210.56Area 2Area 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Area 1 269.42 x x x 416.50 x x x x x 280.67Area 2Area 3Area 4
Other
Yes or No
Yes or No (when applicable)
Equitable Life and Casualty Insurance Company
3 Triad Center, Salt Lake City, UT 84180-1200
(800) 352-5170
Yes or No (when applicable)
Medicare M PlanMedicare N Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
KEY
Medicare High Deductible F PlanMedicare G PlanMedicare K PlanMedicare L Plan
Zip Codes CoveredAll Arkansas zip codes
21
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing ConditionWaiting Period A
BMedicare Crossover C
DAreas FArea 1 HD-FArea 2 GArea 3 KArea 4 L
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 163.52 200.76 x x 240.57 x 224.08 x x x 176.60Area 2 173.34 212.81 x x 255.01 x 237.53 x x x 187.20Area 3 196.23 216.86 x x 288.69 x 268.90 x x x 211.92Area 4
StandardArea A B C D F HD-F G K L M N
Area 1 179.88 220.84 x x 264.63 x 246.49 x x x 194.26Area 2 190.68 234.09 x x 280.51 x 261.28 x x x 205.92Area 3 215.86 265.01 x x 317.56 x 295.79 x x x 233.12Area 4
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
KEY
Medicare High Deductible F PlanMedicare G PlanMedicare K PlanMedicare L Plan
Zip Codes Covered
Medicare M PlanMedicare N Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Other
Yes or No
Yes or No (when applicable)
First Health Life & Health Insurance Company
3200 Highland Ave., Downers Grove, IL 60515
(800) 226-5116
Yes or No (when applicable)
22
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre-existing ConditionWaiting Period A
BMedicare Crossover Yes C
DAreas FArea 1 HD-FArea 2 GArea 3 KArea 4 L
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 141.35 x x x 204.19 x 171.09 x x x xArea 2 158.32 x x x 228.70 x 191.62 x x x xArea 3 173.86 x x x 251.16 x 210.44 x x x xArea 4
StandardArea A B C D F HD-F G K L M N
Area 1 162.48 x x x 234.71 x 196.66 x x x xArea 2 181.98 x x x 162.88 x 220.26 x x x xArea 3 199.85 x x x 188.70 x 241.90 x x x xArea 4
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
KEYNo
Medicare High Deductible F PlanMedicare G PlanMedicare K PlanMedicare L Plan
Zip Codes Covered716-719, 723-729
***
Medicare M PlanMedicare N Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 160.46 x x 209.14 227.35 x 212.42 x x 194.96 164.80Area 2 144.42 x x 188.23 204.62 x 191.18 x x 175.47 148.32Area 3Area 4
StandardArea A B C D F HD-F G K L M N
Area 1 178.34 x x 232.22 252.43 x 235.92 x x 216.76 183.21Area 2 160.51 x x 209.00 227.19 x 212.33 x x 195.09 164.89Area 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
Heartland National Life Insurance Company
Other
Yes or No
Yes or No (when applicable)
PO Box 2878, Salt Lake City, UT 84110-2878
866-916-7971
www.heartlandnational.net
Yes or No (when applicable)
KEYMedicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 178.09 193.82 227.78 x 232.45 76.02 x 104.44 148.45 x 148.79Area 2 170.75 185.84 218.40 x 222.87 72.89 x 100.14 142.33 x 142.66Area 3 157.21 171.10 201.08 x 205.20 67.11 x 92.20 131.05 x 131.35Area 4 195.70 212.99 250.31 x 255.44 83.54 x 114.78 163.13 x 163.50
StandardArea A B C D F HD-F G K L M N
Area 1 266.17 289.69 340.48 x 347.41 113.62 x 156.11 221.85 x 222.40Area 2 255.20 277.75 326.45 x 333.10 108.93 x 149.67 212.71 x 213.24Area 3 234.97 255.73 300.57 x 306.69 100.30 x 137.81 195.85 x 196.33Area 4 292.49 318.34 374.37 x 381.77 125.28 x 171.54 243.80 x 244.40
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
3 months
Medicare K Plan
Humana Insurance Company
Out of State
Yes or No
Yes or No (when applicable)
500 W. Main St., Louisville, KY 40202
888-310-8482
www.Humana.com
Yes or No (when applicable)
Medicare N Plan
KEYMedicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 148.25 x x x 200.09 73.71 x x x x xArea 2 155.73 x x x 210.20 77.43 x x x x xArea 3 172.21 x x x 232.43 85.62 x x x x xArea 4 164.72 x x x 222.33 81.90 x x x x x
StandardArea A B C D F HD-F G K L M N
Area 1 174.40 x x x 235.40 86.71 x x x x xArea 2 183.21 x x x 247.28 91.09 x x x x xArea 3 202.59 x x x 273.44 100.72 x x x x xArea 4 193.78 x x x 261.55 96.34 x x x x x
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
Medico Corp. Life Insurance Company
All other Areas
Yes or No
Yes or No (when applicable)
11808 Grant St., Omaha, NE 68103-0160
800-547-2401, option 3
www.goMedico.com
Yes or No (when applicable)
KEYMedicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 206.16 x 210.10 x 233.48 x x x x x xArea 2 189.75 x 194.61 x 217.98 x x x x x xArea 3 173.43 x 179.12 x 194.61 x x x x x xArea 4
StandardArea A B C D F HD-F G K L M x
Area 1 226.78 x 231.11 x 256.83 x x x x x xArea 2 208.73 x 214.08 x 239.78 x x x x x xArea 3 190.78 x 197.04 x 214.08 x x x x x xArea 4
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 133.69 x x x 162.25 50.70 145.91 x x x 103.74Area 2 140.21 x x x 170.16 53.18 153.02 x x x 108.80Area 3 159.77 x x x 193.91 60.60 174.38 x x x 123.98Area 4
StandardArea A B C D F HD-F G K L M N
Area 1 144.53 x x x 190.17 54.82 157.74 x x x 114.62Area 2 151.58 x x x 199.45 57.50 165.43 x x x 120.21Area 3 159.77 x x x 227.28 65.52 188.52 x x x 136.98Area 4
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
None
Medicare K Plan
Omaha Insurance Company
Other
Yes or No
Yes or No (when applicable)
Mutual of Omaha Plaza, Omaha, NE 68175
800-667-2937
www.mutualofomaha.com
Yes or No (when applicable)
Medicare N Plan
KEYMedicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Medicare G PlanMedicare High Deductible F Plan
**Zip Codes that begin with 722 and Zip codes 72002, 72053, 72065, 72076, 72078, 72099, 72103, 72113-72120, 72124, 72135, 72142, 72164, 72180, 72183, 72190, 72198-72199
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 152.98 x x x 269.48 68.08 202.92 x x x 191.76Area 2 161.02 x x x 283.67 71.66 213.59 x x x 201.85Area 3 177.13 x x x 312.03 74.89 234.96 x x x 222.03Area 4
StandardArea A B C D F HD-F G K L M N
Area 1 169.98 x x x 299.43 75.65 225.47 x x x 213.07Area 2 178.92 x x x 315.19 79.63 237.33 x x x 224.28Area 3 196.82 x x x 346.71 83.22 261.07 x x x 246.71Area 4
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
Other
Yes or No
Yes or No (when applicable)
Physicians Mutual Insurance Company
2600 Dodge Street, Omaha, NE 68131
800-228-9100
www.physiciansmutual.com
Yes or No (when applicable)
Medicare M PlanMedicare N Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
KEYNo
Medicare High Deductible F PlanMedicare G PlanMedicare K PlanMedicare L Plan
Zip Codes Covered
35
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing ConditionWaiting Period A
BMedicare Crossover C
DAreas FArea 1 HD-FArea 2 GArea 3 KArea 4 L
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 123.44 x x x 189.60 61.50 141.65 68.48 x x 114.90Area 2Area 3Area 4
StandardArea A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
QualChoice Life and Health Insurance Company
Other
Yes or No
Yes or No (when applicable)
12615 Chenal Pkwy, Ste 300, Little Rock, AR 72211
800-235-7111
www.qualchoice.com
Yes or No (when applicable)
KEYMedicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Medicare High Deductible F Plan
Medicare L Plan
Zip Codes Covered*
* Service only in these areas: Ashley, Baxter, Benton, Boone, Bradley, Calhoun, Carroll, Clark, Columbia, Conway, Crawford, Dallas, Faulkner, Franklin, Garland, Grant, Hempstead, Hot Spring, Howard, Jefferson, Johnson, Lafayette, Little River, Logan, Lonoke, Madison, Marion, Miller, Montgomery, Nevada, Newton, Ouachita, Perry, Pike, Polk, Pope, Pulaski, Saline, Scott, Searcy, Sebastian, Sevier, Union, Van Buren, Washington and Yell
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 113.22 x x x 153.89 x 132.16 x x x xArea 2 130.20 x x x 176.97 x 151.99 x x x xArea 3 141.52 x x x 192.36 x 165.20 x x x xArea 4
StandardArea A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
Zip Codes Covered
Medicare M PlanMedicare N Plan
Medicare G PlanMedicare K PlanMedicare L Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 173.93 198.04 225.14 135.66 185.15 26.93 136.71 x x x 89.30Area 2 194.39 221.34 251.63 151.62 206.93 30.10 152.79 x x x 99.80Area 3 214.86 224.63 278.12 167.58 228.72 33.27 168.88 x x x 110.31Area 4
StandardArea A B C D F HD-F G K L M N
Area 1 193.26 220.04 250.17 150.74 205.73 27.37 151.90 x x x 99.22Area 2 216.00 245.93 279.60 168.48 230.19 30.59 169.77 x x x 110.90Area 3 238.73 271.82 309.03 186.21 254.14 33.81 187.64 x x x 122.57Area 4
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
Zip Codes Covered727, 729
716-717, 719-722, 724-726, 728718, 723
Medicare M PlanMedicare N Plan
Medicare G PlanMedicare K PlanMedicare L Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 162.25 189.42 228.58 198.42 233.92 92.17 199.58 x x 178.67 163.67Area 2 154.50 180.42 217.67 189.00 222.75 87.75 190.08 x x 170.17 155.83Area 3 137.50 160.58 193.75 168.25 198.25 78.08 169.17 x x 151.42 138.67Area 4
StandardArea A B C D F HD-F G K L M N
Area 1 180.17 210.25 253.75 220.50 260.00 102.50 221.67 x x 198.42 181.83Area 2 171.58 200.25 241.67 210.00 247.58 97.58 211.08 x x 189.00 173.17Area 3 152.75 178.25 215.08 186.92 220.33 86.83 187.83 x x 168.25 154.08Area 4
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
State Mutual Insurance Company
Yes or No
Yes or No (when applicable)
PO Box 10849, Clearwater, FL 33757-8849
844-340-9493
https://statemutualinsurance.com
Yes or No (when applicable)
KEYMedicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Medicare High Deductible F Plan
Medicare L Plan
Zip Codes Covered*
720 and 721 not in Area 1Other
*Area 1: Zip Codes beginning with 722 and 72002, 72053, 72065, 72076, 72078, 72099, 72103, 72113-72120, 72124, 72135, 72124, 72164, 72180,72183, 72190, 72198, 72199
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 216.85 268.42 290.75 x 277.05 x 248.43 113.91 x x 209.72Area 2 203.56 257.26 281.02 x 267.77 x 239.32 109.38 x x 202.34Area 3Area 4
StandardArea A B C D F HD-F G K L M N
Area 1 216.85 268.42 337.90 x 321.98 x 288.63 126.71 x x 243.73Area 2 203.56 257.26 326.59 x 311.19 x 278.13 127.12 x x 235.15Area 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
*Area 1: Benton, Crawford, Crittenden, Faulkner, Jefferson, Lonoke, Pulaski, Saline, Sebastian, and Washington
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 155.95 195.75 216.38 192.02 223.45 57.67 192.58 x 152.87 184.30 xArea 2 139.54 175.15 193.61 171.80 199.93 51.60 172.31 x 136.77 164.90 xArea 3 164.16 206.06 227.77 202.12 235.21 60.71 202.72 x 160.91 194.00 xArea 4
StandardArea A B C D F HD-F G K L M N
Area 1 171.55 215.33 237.99 211.19 245.79 63.44 211.83 x 168.14 202.74 xArea 2 153.49 192.66 212.94 188.96 219.91 56.76 189.54 x 150.44 181.40 xArea 3 180.58 226.66 250.52 222.30 258.72 66.78 222.98 x 176.99 213.41 xArea 4
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
Thrivent Financial for Lutherans
Other
Yes or No
Yes or No (when applicable)
4321 N. Ballard Rd., Appleton, WI 54919-0001
800-847-4836
www.thrivent.com
Yes or No (when applicable)
KEYMedicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 270.84 327.26 379.58 332.88 263.30Area 2 243.77 294.56 341.66 299.62 237.00Area 3 230.24 278.20 322.68 282.98 223.84Area 4
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 x x 155.70 x 174.70 x x x x x xArea 2 x x 175.40 x 196.70 x x x x x xArea 3 x x 213.80 x 239.80 x x x x x xArea 4
StandardArea A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
* Area 2 - Clark, Cleburne, Conway, Cross, Dallas, Faulkner, Garland, Hempstead, Hot Spring, Howard, Indenendence, Izard, JacksonLawrence, Little River, Lonoke, Nevada, Ouachita, Perry, Pike, Pulaski, Saline, Sevier, Sharp and Van Buren
No
Medicare High Deductible F PlanMedicare G PlanMedicare K PlanMedicare L Plan
Zip Codes CoveredAll counties not listed in Area 2
*Out of state
Medicare M PlanMedicare N Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Select Plans
Other
Yes or No
Yes or No (when applicable)
Arkansas Blue Cross Blue Shield
P.O. Box 2181, Little Rock, AR,72203-2181
(800) 392-2583
www.arkansasbluecross.com
Yes or No (when applicable)
KEY
51
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing ConditionWaiting Period A
BMedicare Crossover C
DAreas FArea 1 HD-FArea 2 GArea 3 KArea 4 L
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 187.63 197.20 221.61 x 194.71 x 170.61 75.36 x x 139.70Area 2 179.85 202.12 226.98 x 199.41 x 175.22 78.24 x x 144.52Area 3Area 4
StandardArea A B C D F HD-F G K L M N
Area 1 187.63 197.20 257.54 x 226.28 x 197.27 87.58 x x 162.36Area 2 179.85 202.12 263.79 x 231.75 x 203.64 90.92 x x 167.95Area 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Area 1Area 2Area 3Area 4
*Area 1: Benton, Crawford, Crittenden, Faulkner, Jefferson, Lonoke, Pulaski, Saline, Sebastian, and Washington
**Area 2: Clark, Cleburne, Cross, Franklin, Garland, Grant, Hot Spring, Jackson, Logan, Madison, Montgomery, Perry, Pike, Poinsett, Prairie, Scott, St. Francis, Van Buren, White, Woodruff, and Yell
Medicare M PlanMedicare N Plan
Medicare G PlanMedicare K Plan
Medicare High Deductible F Plan
Medicare L Plan
Zip Codes Covered*
**
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Federal law does not require people under the age of 65 with Medicare Part B be granted a Medigap Open Enrollment Period. Younger Medicare beneficiaries are subject to medical underwri ng and may be denied a policy based on medical history. There is no assurance that those under age 65 will be issued a Medigap Policy.
54
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre-existing ConditionWaiting Period A
BMedicare Crossover Yes C
DAreas FArea 1 HD-FArea 2 GArea 3 KArea 4 L
MAnnual Premiums by Area and Plan NPreferred Non-smoking
Area A B C D F HD-F G K L M NArea 1 987.22 x x x x x x x x x xArea 2Area 3Area 4
StandardArea A B C D F HD-F G K L M N
Area 1 x x x x x x x x x x xArea 2Area 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N
Area 1 x x x x x x x x x x xArea 2Area 3Area 4
Medicare L Plan
Zip Codes CoveredWhole state
OtherMedicare M PlanMedicare N Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Medicare High Deductible F PlanMedicare G PlanMedicare K Plan
Approved Charges, also known as allowable charges, Medicare eligible expenses, or Medicare covered charges, apply to the specific dollar amount on which Medicare will base its payment for every medical procedure under Part B. Medicare will pay 80% of this "approved" amount. Assignment is the means by which doctors or suppliers receive payment directly from Medicare. When assignment is used, the provider of medical service agrees that his or her total charge for the covered Medicare Part B service will be the charge approved by the Medicare Carrier. Medicare then pays your doctor or supplier 80% of the approved charge, less any part of the $183 annual deduc ble. You are responsible for the 20% of the approved amount not paid by Medicare plus the $183 annual deduc ble. Accep ng assignment means that the doctor or medical provider will not bill you for the difference between the actual charge and the Medicare approved amount. Find out in advance whether your doctor or medical provider will accept assignment. When assignment is not accepted, you will be responsible for any amount up to 15% above the charges approved by Medicare. Using doctors or suppliers who accept assignment will save you money. Any physician may take assignment on a claim‐by‐claim basis whether he is a "par cipa ng" provider or not. Carrier is the Medicare Part B claims processor. In Arkansas, the Medicare "Carrier" is Novitas‐Solu ons (www.novitas‐solu ons.com). For ques ons about your Part B claims payments, telephone 1‐800‐633‐4227. Contestable Clause is a policy provision that gives an insurer the right to rescind your insurance policy in the event there are any material errors, omissions or misstatements on your insurance applica on or enrollment form. The contestable period is generally the two years following the effec ve date of the policy. Coordina on Of Benefits (COB) means that one of your health insurance policies may reduce its benefits if you are also covered by another insurance plan. Important! This usually applies only to employer‐sponsored plans. Private Medicare supplements ordinarily do not have COB regardless of how many policies you have. Co‐payment is the amount that you or your insurance plan must pay to supplement Medicare's payments for Part A and Part B expenses. For example, for charges
incurred in 2017, you will have a $329 per day co‐payment for days 61‐90 and a $658 per day co‐payment for days 91‐150 while in a hospital. There is also a co‐payment of $164.50 for skilled nursing days 21‐100 and a co‐payment of 20% for all Part B services a er your annual deduc ble of $183. Deduc ble is the dollar amount that you will have to pay before either Medicare or your insurance plan will begin paying benefits. Your Medicare Part A deduc ble is $1260 per benefit period for 2016. Your Medicare Part B deduc ble is $183 of approved charges each calendar year. Effec ve Date is the date your policy becomes effec ve. When you talk to your insurer, ask what the effec ve date will be. The effec ve date is printed on your insurance policy or cer ficate. Exclusions or Excep ons is the list of specific condi ons or circumstances that are not covered by the policy. The excep ons in Medicare supplements are limited by state law and cannot exclude or limit coverage for any specific health condi on for more than six months. Other health insurance plans such as hospital indemnity or medical‐surgical expense plans may have a 12‐month exclusion for pre‐exis ng condi ons and/or permanent exclusions for certain health condi ons. Excess Charge are addi onal charges approved by Medicare if your doctor or provider does not accept Medicare Assignment (Medicare approved amount). The maximum excess charge is 15% of the Medicare approved amount. Free Look is the me period a er you receive the policy in which you can review its benefits. State law requires Medicare supplement insurers to give the consumer 30 days to review the policy. If you return the policy within the 30‐day free look period, you will get a full refund. Other types of individually marketed health insurance plans are limited to a 10‐day free look period.
GLOSSARY
58
GLOSSARY
Grace Period is the me period (usually 31 days) or the payment of an overdue premium, during which me the policy remains in force. Hospice is a program for the terminally ill. Medicare does reimburse most Hospice expenses if the Medicare pa ent chooses to take Hospice benefits instead of regular Part A and Part B benefits. There may be a co‐payment for outpa ent drugs and inpa ent respite care. Care must be provided through cer fied Hospice organiza ons. Intermediary is the Medicare Part A claims processor. In Arkansas, the Medicare Part A "intermediary" is Pinnacle Business Solu ons. For ques ons about Part A claims payments, contact Pinnacle Business Solu ons at 1‐866‐799‐2110. Limi ng Charge is the limit on the amount physicians who do not accept assignment can charge a Medicare beneficiary. The limi ng charge is no more than 15% over Medicare's approved amount. Limi ng charge informa on appears on the Medicare Summary No ce (MSN) form. Material Misrepresenta on is a misrepresenta on that was important or essen al to the decision to issue or not issue an insurance policy. Medicaid is a federal and state program that provides health insurance benefits for certain low‐income, disabled or blind individuals, and families. There are strict income eligibility guidelines. Applica ons must be made at the local county office of the Department of Human Services. 1‐800‐482‐8988 Medicare Crossover is one of the more significant service enhancements that insurance companies can offer. A "crossover" company has a contract with Medicare requiring Medicare to send the insured's remainder of the bill directly to the Medicare supplement insurance company. Medicare Advantage is a part of the Balanced Budget Act (BBA) of 1997 that authorizes the Centers for Medicare & Medicaid Services to enter into contracts with insurance companies, managed care organiza ons, and other en es to give Medicare beneficiaries a choice in how they receive their
Medicare benefits. Par cipa ng Physicians are doctors who have contracted with Medicare to accept assignment for all Medicare pa ents, file all claims for Medicare pa ents, and agree to all Medicare rules. Check the MedPard database h p://www.pinnaclemedicare.com/bene/medpard/default.aspx Non‐Par cipa ng Physicians have not signed a contract with Medicare to accept assignment, but may do so on a case‐by‐case basis. Non‐par cipa ng physicians must s ll file all claims with Medicare. Pre‐Exis ng Condi ons are health condi ons for which you have been diagnosed, treated, or had symptoms during the me before your policy's effec ve date of coverage. Pre‐Exis ng Condi on Wai ng Period is the amount of me a er your effec ve date of coverage during which
your insurance plan will not cover any pre‐exis ng condi ons. Medicare supplement law in Arkansas says your wai ng period cannot be any longer than six months. Many Medicare supplements offer plans with shorter wai ng periods. When a Medicare supplement policy replaces an exis ng Medicare supplement policy, the replacing issuer must waive any me period applicable to pre‐exis ng condi ons. Beneficiary and Family Centered Care Quality Improvement Organiza on (BFCC‐QIO) are groups of doctors and health care professionals who are paid by the federal government to review Medicare hospital admissions and reimbursements and to monitor inpa ent quality of care. BFCC‐QIO’s have the authority to deny hospital payments if care is not medically necessary. They also handle pa ent appeals and complaints the pa ent makes regarding non‐payment of service or quality of care. If you have any ques ons, please contact them at 1‐844‐430‐9504. Underwri ng is the method insurance companies use to evaluate risks and determine insurability. Usual, Customary and Reasonable (UCR) typically means the fees most frequently charged in a geographic by providers with similar training and experience for the same or like service or supply.
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Comparing Medicare drug plans can save you money. Provide a list of current medica ons and SHIIP uses
the Medicare website to compare plans www.medicare.gov
Call 1‐800‐224‐6330 for informa on
Helpful Phone Numbers
Arkansas Attorney General’s Office 1-800-482-8982
Beneficiary and Family Centered Care Quality Improvement organization (BFCC-QIO) (KEPRO)
1-844-430-9504
Arkansas SMP (Medicare Fraud) 1-866-726-2916
Marketplace (Affordable Care Act) 1-800-318-2596
Medicaid (Department of Human Services) 1-800-482-5431
Senior Health Insurance Information Program (SHIIP)
1-800-224-6330
Social Security Administration 1-800-772-1213
Tricare 1-866-773-0404
Veterans Administration 1-800-827-1000
1-800-Medicare Helpline 1-800-633-4227
www.insurance.arkansas.gov
Allen Kerr, Commissioner
1200 W 3rd St.
Li le Rock, Arkansas 72201
Toll Free: 1‐800‐224‐6330
This publica on is produced by the State of Arkansas Insurance Department division of Senior Health Insurance Informa on Program (SHIIP) with financial assistance through a grant from the Administra on for Community Living, an agency of the U.S. Department of the Health and Human Services.