Texas Medicare Supplement

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Medicare Supplement Insurance, Prescription Drug Plans (Part D) or Medicare Advantage Plans

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	Medicare Advantage Plans and Prescription Drug Plans
	Royal Neighbors of America Texas Medicare Supplement
	Blue Cross Blue Shield of Texas Texas Medicare Supplement and Prescription Drug Plans
	Mutual of Omaha Ins Co Texas Medicare Supplement
	Medicare Advantage Plans and Prescription Drug Plans
	UniCare Health Ins Co of TX Texas Medicare Supplement

What Med Supp Plans Cover as of June 1, 2010
Med Supp Benefits	A	B	C	D	E³	F¹	G	H³	I³	J^1,3	K	L	M	N
Part A Hospital Coinsurance
Part B Coinsurance											50%	75%		²
Blood											50%	75%
Hospice Benefit											50%	75%
Skilled Nursing											50%	75%
Part A Deductible											50%	75%	50%
Part B Deductible
Part B Excess Charges
Foreign Travel Emergency
2010 out-of-pocket limit											$4,620	$2,310
¹ Plans F and J also offer a high-deductible option. You pay $2,000 (2009 amount) before your coverage begins. ² Beneficiary pays up to $20 per physician office visit and up to $50 per Emergency Room visit. The copayment of up to $50 is waived if the insured is admitted to the hospital and the emergency visit is covered as a Medicare Part A expense. ³ Plans E, H, I and J will no longer be sold after June 1, 2010 and those who already have them may keep them.

You have two Main Choices:

1. Original Medicare or 2. Medicare Advantage Plan

With Original Medicare you can also apply for a Medicare Supplement
which will supplement Original Medicare

Decide if You Want Original Medicare or a Medicare Advantage Plan

Original Medicare	Medicare Advantage Plan (like and HMO or PPO)
Part A (Hospital Insurance) and Part B (Medical Insurance)	Part C – Includes BOTH Part A (Hospital Insurance) and Part B (Medical Insurance)
Medicare provides this coverage. You have your choice of doctors, hospitals, and other providers. Generally, you or your supplemental coverage pay deductibles and coinsurance. You usually pay a monthly premium for Part B.	Private insurance companies approved by Medicare provide this coverage. In most plans, you need to use plan doctors, hospitals, and other providers or you pay more or all of the costs. You usually pay a monthly premium (in addition to your Part B premium) and a copayment or coinsurance for covered services. Costs, extra coverage, and rules vary by plan.
Decide If You Want Prescription Drug Coverage (Part D)	Decide If You Want Prescription Drug Coverage (Part D)
If you want this coverage, you must choose and join a Medicare Prescription Drug Plan. These plans are run by private companies approved by Medicare.	If you want prescription drug coverage, and it's offered by your plan, in most cases you must get it through your plan. If your plan doesn't offer drug coverage, you can choose and join a Medicare Prescription Drug Plan.
Decide If You Want Supplemental Coverage	Continue Below
You may want to get coverage that fills gaps in Original Medicare coverage. You can choose to buy a Medigap (Medicare Supplement Insurance) policy from a private company. Costs vary by policy and company. Employers/unions may offer similar coverage.	Note: If you join a Medicare Advantage Plan, you don’t need a Medigap policy. If you already have a Medigap policy, you can’t use it to pay for out-of-pocket costs you have under the Medicare Advantage Plan. If you already have a Medicare Advantage Plan, you can’t be sold a Medigap policy