Part A Hospital Services A B C D G G-ded K L M N
The Part A deductible is $1632 per benefit period
A benefit period starts when you are admitted to a facility
and ends 60 days after you last received inpatient care at any facilityPart A Deductible ($1632)
$2800 annual deductible applies
You pay all Medicare deductibles, copays and coinsurance until you spend $2800 in a calendar year
After that coverage is 100%
after
ded
  • The inpatient deductible is $1632 for each benefit period
  • Days 1-60: Medicare covers 100%
  • Days 61-90: You are responsible for $408 per day
  • Days 91 until 60 day lifetime reserve is used up: Your responsibility is $826 per day
  • Beyond lifetime reserve: You are responsible for all costs incurred
Hospital Coinsurance		 $2800 annual deductible applies
You pay all Medicare deductibles, copays and coinsurance until you spend $2800 in a calendar year
After that coverage is 100%
after
ded
 Plan covers 50% of your out of pocket expenses
Your share is capped at $5120 per year50%		 Plan covers 75% of your out of pocket expenses
Your share is capped at $2560 per year75%		 Plan covers 50% Part A deductible50%
Covers 365 Additional inpatient days after lifetime reserve has been used up365 days extra Hospital coverage
Skilled nursing facility coinsurance

$2800 annual deductible applies
You pay all Medicare deductibles, copays and coinsurance until you spend $2800 in a calendar year
After that coverage is 100%
after
ded
 Plan covers 50% of your out of pocket expenses
Your share is capped at $5120 per year50%		 Plan covers 75% of your out of pocket expenses
Your share is capped at $2560 per year75%
3 Pints of (unreplaced) blood $2800 annual deductible applies
You pay all Medicare deductibles, copays and coinsurance until you spend $2800 in a calendar year
After that coverage is 100%
after
ded
 Plan covers 50% of your out of pocket expenses
Your share is capped at $5120 per year50%		 Plan covers 75% of your out of pocket expenses
Your share is capped at $2560 per year75%
Part B Services A B C D G G-ded K L M N
Part B Annual Deductible ($240)








Medicare covers 80% of Part B claims, you are responsible for 20%Part B Coinsurance Plan covers 50% of your out of pocket expenses
Your share is capped at $5120 per year50%		 Plan covers 75% of your out of pocket expenses
Your share is capped at $2560 per year75%		 You pay $20 for Dr. office visits
You pay $50 for emergency room visits$20/$50
Doctors who do not take Medicare Assignment can charge 15% above what medicare allows
Some Medicare Supplement plans cover that extra 15%Part B Excess Charges







Additional Features A B C D G G-ded K L M N
Out of Pocket Limit NA NA NA NA NA NA $5120 $2560 NA NA
Hospice coverage $2800 annual deductible applies
You pay all Medicare deductibles, copays and coinsurance until you spend $2800 in a calendar year
After that coverage is 100%
after
ded
 Plan covers 50% of your out of pocket expenses
Your share is capped at $5120 per year50%		 Plan covers 75% of your out of pocket expenses
Your share is capped at $2560 per year75%
Foreign Travel Emergency


Monthly Rates & Brochures A B C D G G-ded K L M N
Anthem 147.29


158.46



197.55
Blue Shield eff 7/1/2024 97.00


S: 143.00
Note: Silver Sneakers gym membership is included with all Blue Shield plans.
Additonal benefits with Blue Shield Extra Rider
Foreign Travel - Not covered by Medicare
  • $250 annual deductible, 80% coverage, $50,000 lifetime max (Click the Brochure link, see page 20)
Physician Consultation by Phone or Video Through Teledoc
  • No charge (see brochure page 20)
Over-the-Counter Items through CVS
  • Up to $100 allowance per quarter (see brochure page 20)
Accupuncture and Chiropractic Services (provided by AHS provider network)
  • Up to 20 visits per year, plan pays 100%, see page 21 in brochure for details
Vision Coverage (provided by Vision Service Plan)
  • Exam every 12 months, eyeglasses every 24 months, click the brochure link for details (see page 21)
Hearing Aid Services (provided by Epic Hearing Healthcare)
  • Routine hearing exams, copayments for hearing aids, see page 23 of brochure for details
E: 160.00



165
Cigna 180.42


194.39



138.36
Continental (Aetna) 185.93 235.24

241.57



173.35
Health Net 121.00

153.00
S: 161.00
Additional benefits included with Health Net Innovative plan rider
  • Vision Benefits
  • Routine Eye Exam (In network) - One vision exam every 12 months - $10 Copayment
  • Routine Eye Exam (Out of network) - One vision exam every 12 months - $45 Allowance
  • Frame & Lens Package - available from provider only (Once every 24 Months) - Up to $250 allowance
  • Contact Lenses (includes materials only - once every 24 months) - Up to $250 allowance
  • Medically necessary contact Lenses - Up to $250 allowance
  • Hearing Benefits
  • Routine Hearing Exam - One hearing exam every 12 months
  • Hearing Aid(s) - all sizes and styles offered by Hearing Care Solutions
    • Level 4 - You pay $1580
    • Level 3 - You pay $1125
    • Level 2 - You pay $700
    • Level 1 - You pay $0
See page 44 in Health Net brochure for detailsI: 156.00
 51.00


128.00
United American eff 5/1/2024 150.00 203.00 273.00 240.00 229.00 49.00 123.00 175.00
188.00
UHC 130.48 182.80 220.88
148.20

120.88
146.32
United World Life 159.69


186.99 62.76


139.05
Choosing a Medigap Policy
Continental: Add $20 application fee.
Prepared for Denis Gauthier
Zip code: 91436
Age: 65

Anthem rates reflect $2 automatic checking discount
Anthem Plan G rates reflect $25.00 Welcome to Medicare discount
Blue Shield rates reflect $3 automatic checking discount
Blue Shield Plan G rates reflect $25 Welcome to Medicare discount
Health Net rates reflect $30 Welcome to Medicare discount
UHC rates based on Part B effective less than 10 years
UHC Plan G rates reflect $25 Welcome to Medicare discount
UHC rates reflect $2 automatic checking discount
Contact us
(818) 769-1640
gerry@gerrysilverman.com
CA Ins Lic 398560