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Part A Hospital Services	A	G	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)
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			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			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			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	G	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	G	K	L	M	N
Out of Pocket Limit	NA	NA	$5120	$2560	NA	NA
Hospice coverage			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	G	K	L	M	N
Anthem CKHH	127.79	172.82				178.78
Blue Shield eff 7/1/2024 CKHH	120.00	S: 163.00 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: 180.00				163
Cigna HH	161.27	173.77				123.68
Continental (Aetna) HH	139.19	180.84				130.28
Health Net	135.00	S: 171.00 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: 166.00				140.00
Humana Achieve CKHH	154.58	164.09				119.62
Physicians Mutual CKHH	141.59	167.13
United American eff 5/1/2024	125.00	193.00	106.00	149.00		159.00
UHC CKHH	126.88	167.83		117.78		142.10
Choosing a Medigap Policy
Continental: Add $20 application fee.

Part A Hospital Services

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)

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

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

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

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

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

Out of Pocket Limit

$5120

$2560

Hospice coverage

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

Anthem CKHH

127.79

172.82

178.78

Blue Shield eff 7/1/2024 CKHH

120.00

S: 163.00

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: 180.00

163

Cigna HH

161.27

173.77

123.68

Continental (Aetna) HH

139.19

180.84

130.28

Health Net

135.00

S: 171.00
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: 166.00

140.00

Humana Achieve CKHH

154.58

164.09

119.62

Physicians Mutual CKHH

141.59

167.13

United American eff 5/1/2024

125.00

193.00

106.00

149.00

159.00

UHC CKHH

126.88

167.83

117.78

142.10

Choosing a Medigap Policy

Continental: Add $20 application fee.

Select all that apply

Anthem $2 per month
Blue Shield $3 per month
Humana Achieve $2 per month
Physicians Mutual $5 per month
United Healthcare $2 per month

Automatic Checking Withdrawal Discount

If you are new to Medicare the following monthly discounts
are available for your first year of coverage

Anthem Plan F: $20 Plans G: $25 per month
Blue Shield Plans A. F and G: $25 per month
Health Net All Plans: $30 per month
United Healthcare Plan G: $25 per month

Welcome to Medicare discount 2 party

Anthem Plan F rates reflect $20 Welcome to Medicare discount.

Anthem Plan F rates reflect $40 2 party Welcome to Medicare discount.

Anthem Plan G rates reflect $25 Welcome to Medicare discount.

Anthem Plan G rates reflect $50 2 party Welcome to Medicare discount.

Enrollees who live with another Anthem Medicare Supplement
member may qualify for a household discount.

For members with an original Anthem Blue Cross
effective date after 2/28/2023 the discount is 10%
For those with original effective dates between
6/1/2010 and 2/28/2023 the discount is 5%
The household discount is not available to persons
enrolled before 6/1/2010

Anthem household discount

Anthem rates reflect $2 automatic checking discount.

Blue Shield Plan G rates reflect $25 Welcome to Medicare discount.

Blue Shield Plan G rates reflect $50 2 party Welcome to Medicare discount.

Blue Shield rates reflect $3 automatic checking discount.

Blue ShieldYou are eligible for a 7% household premium discount

if you reside with another person who is on the same Blue Shield Medicare Supplement plan
including same Dental plan.

Only one policy will be issued, the second party will be covered as a dependent. household discount (7%)

Cigna Cigna

You are eligible for a 6% household you live with another person age 18 or over
You are eligible for a 11% discount if another person in your household has a Cigna Medicare Supplement plan

household discount

Continental LifeContinental Life offers a 5% household premium discount

if you are marriied and residing with your spouse who is also covered by Continental Life
you are in a civil union partnership with a person covered by Continental Life
a permanent resident in your home is also covered by Continental Life

household discount (5%)

Health Net rates reflect $30 Welcome to Medicare discount.

Health Net rates reflect $60 2 party Welcome to Medicare discount.

Humana Achieve rates reflect $2 automatic checking discount.

Humana AchieveHumana Achieve offers a 12% household premium discount

if you reside with your spouse or domestic partner
or if you have resided with one to three adults for the past 12 months.

household discount (12%)

Physicians Mutual rates reflect $5 automatic checking discount.

Physicians Mutual 10% Physicians Mutual offers a 10% household premium discount
if you are marriied
or reside with another person age 60 or over.household discount

UHC Plan G rates reflect $25 Welcome to Medicare discount.

UHC Plan G rates reflect $50 2 party Welcome to Medicare discount.

United Healthcare rates reflect $2 automatic checking discount.

UHC/AARPYou can take 7% off your monthly premiums if

two or more members are enrolled under the same AARP membership number
and each is insured under an eligible AARP-branded supplemental insurance
policy insured by UnitedHealthcare Insurance Company.

household discount (7%)