As you approach retirement age, the ever rising cost of health care, makes understanding Medicare, its gaps in coverage and limitations, a very important consideration.   For over 35 years Medicare has provided millions of American Senior Citizens with vital health care services.   As good as Medicare is, it may not pay all the cost of being sick.    Consequently, what Medicare does not pay becomes your personal financial responsibility.

Medicare Supplement insurance can be sold in only 12 standard plans plus four high deductible plans.   Every company must make available Plan A, "BASIC BENEFITS".   Mutual of Omaha Insurance offers Plans A, C, D, F and in some states Plan G.*

Choose the Medicare Supplement plan that best meets your needs and your budget.

COVERAGE	WHAT MEDICARE SUPPLEMENT WILL PAY	PLAN A	PLAN C	PLAN D	PLAN F
Part A: Medicare Eligible Hospital Expense	$952 Part A Deductible   $238 per day co-pay for days 61-90   $476 per day co-pay for days 91-150   100% Medicare - eligible expense after day 150 for an additional 365 days
Skilled Nursing Care	$119 per day for days 21 - 100 for medical approved stays in a skilled nursing facility.
Blood	First Three Pints of Blood
COVERAGE	WHAT MEDICARE SUPPLEMENT WILL PAY	PLAN A	PLAN C	PLAN D	PLAN F
Part B: Physician Services and Supplies	$124 Part B Deductible   20% Medicare Eligible Part B Medical Expenses and first three pints of blood   Eligible Part B charges that exceed Medicare approved amount.
Emergency Care Received Outside the U.S.	After you pay a $250 calendar-year deductible, Insurance Plans pay you 80% of eligible expenses incurred during the first 60 days of a trip up to a lifetime maximum of $50,000. Benefits are payable for health care you need because of a covered injury or illness.
At home recovery visits	At-home recovery - Insurance pays for seven visits a week, up to $40 a visit up to a maximum of $1,600 a year for assistance with activities of daily living. Benefits are payable for services necessary for your continuing recovery from an illness, injury or surgery.
Federal guidelines limit the amount a doctors can charge for benefits covered by Medicare.   According to HCFA almost 90% of all doctors accept "assignments".   That means they accept Medicare approved amount as full payment for services render.   If your doctor accepts assignments plans C or D may be better choice.   Plan C and D are close in benefits.   Plan C pay the $124 calendar year deductible, but, not plan D.   Plan D pays for At-Home Recovery but not plan C.   Compare benefits and premiums of those four plans and choose a supplement that's best meets your needs.   *Some plans may not be available in every state.