Brindle Insurance Group

Brindle Insurance Group Inc
Independent Agents

Medicare Supplement Advantages

1. You can go to any hospital, any doctor, anyplace, anytime without asking
   permission unlike an HMO. That, by itself, is worth its weight in gold.
2. All claims are filed automatically so you don't have to "lift a finger" to get
   your claims paid.
3. If you travel or live somewhere else for a period of time every year as many
   do, you can receive any hospital, doctor or any other medical needs
   attended to with no questions asked.
4. If you travel outside the USA, your Medicare Supplement will pay a
   substantial part of your medical bills. This is important as Medicare, in most
   cases, covers nothing out of the country.*
5. If you have a Medicare Supplement which covers the $155.00 Part B
   deductible, you pay nothing for services if the doctor participates with
   Medicare.

Special Note
We, as Americans, enjoy freedom as the #1 benefit living in the USA. A Medicare Supplement gives you this freedom and although Supplements cost more than an HMO, they give you more. Why settle for less!!

Brindle Insurance Group has all ten "standardized" Medicare Supplement Plans available at competitive rates to help cover the expense of services not covered by Medicare Parts A & B.
 
To help make this comparison shop for you easier, the Federal Government created 10 "standardized" plans.  Any company's plan C, for example, will be identical to any other company's plan C. The same principle applies for the remaining other 9 Medicare Supplement plans.  This will simplify your shopping for a Medicare Supplement insurance.
 
Since all carriers have the same 10 plans to choose from, companies differ in service, ratings and PRICE. There can be a substantial difference in price for some plans from company to company...even as much as 50% or 60%...FOR THE SAME PLAN!! This is why utilizing an independent agent can save you big bucks! The agent will shop the best price depending on your situation... health, income, etc.
 
Each insurance carrier has their own underwriting criteria for Medicare Supplements. In general, when buying a Medicare Supplement insurance plan, the presence of certain health conditions may result in a higher price, as a better state of health results in lower rates. 

The chart below spells out the some of the most popular standard government approved Medicare Supplement Plans. For more detailed information on plans A, B, C, D, F, G simply click on the individual plan letter. For additional information on plans K, L, M, and/or N see Medigap chart below.

Contact Brindle Insurance for details on plans that are offered.

Benefit Chart of Medicare Supplement Plans effective date on or after June 1, 2010
Basic Benefits	Plan A	Plan B	Plan C	Plan D	Plan F*	Plan G	Plan K	Plan L	Plan M	Plan N
Part A Hospital      Day 61-90 Coinsurance      Day 91-150 Coinsurance      365 More days - 100%	X	X	X	X	X	X	X	X	X	X
	X	X	X	X	X	X	X	X	X	X
	X	X	X	X	X	X	X	X	X	X
Part A Hospice Coinsurance	X	X	X	X	X	X	50%	75%	X	X
Part B Coinsurance or Copay	X	X	X	X	X	X	50% **	75% **	X	X ****
Parts A & B Blood	X	X	X	X	X	X	50%	75%	X	X
Additional Benefits	Plan A	Plan B	Plan C	Plan D	Plan F*	Plan G	Plan K	Plan L	Plan M	Plan N
Skilled Nursing Facility Coinsurance Day 21-100			X	X	X	X	50%	75%	X	X
Part A Deductible		X	X	X	X	X	50%	75%	50%	X
Part B Deductible			X		X
Part B Excess					X	X
Foreign Travel Emergency			X	X	X	X			X	X
Out-of-pocket annual limit							$4,620 ***	$2,310 ***

X = Supplement pays 100% 50% and 75% = the amount the supplement pays
*Plan F has an option called high deductible Plan F. This high deductible plan pays the same benefits as Plan F after
one has paid an annual deductible ($2,000 in 2010). Benefits will not begin until the out-of-pocket expenses exceed the deductible. Out-of-pocket expenses include the Medicare deductibles for Part A and Part B, expenses that would normally be paid by the policy, but do not include the foreign travel emergency deductible.
**Plans K and L pay 100% of the Part B coinsurance for preventive services.
***Plans K and L pay 100% of your cost for Part A and B after the annual out-of pocket limit is reached.
****Exceptions: You may be charged up to $20 for an office visit and up to $50 for an emergency room visit before the plan pays. The emergency room copay will be waived if you are admitted to the hospital.

Medigap K	Medigap L	Medigap M	Medigap N
Medicare Part A Coinsurance and Hospital Benefits (100%)	Medicare Part A Coinsurance and Hospital Benefits (100%)	Medicare Part A Coinsurance and Hospital Benefits (100%)	Medicare Part A Coinsurance and Hospital Benefits (100%)
Medicare Part A Deductible (50%)	Medicare Part A Deductible (75%)	Medicare Part A Deductible (50%)	Medicare Part A Deductible (100%)
Medicare Part B Coinsurance or Copayment (50%)	Medicare Part B Coinsurance or Copayment (75%)	No Part B Deductible	No Part B Deductible.  $20 copay for physician visits and $50 copay for ER visits.
Blood (50%)	Blood (75%)	Information available June 2010
Hospice Care Coinsurance or Copayment (50%)	Hospice Care Coinsurance or Copayment (50%)
Medicare-covered Preventive Care Coinsurance (100% of the Medicare approve amount)	Medicare-covered Preventive Care Coinsurance (100% of the Medicare approve amount)
Skilled Nursing Faciity Coinsurance (50%)	Skilled Nursing Faciity Coinsurance (75%)
Out of Pocket Limit $4,620	Out of Pocket Limit $2,310