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Medicare Supplement Plan K

Medicare Supplement Plan K requires you to pay an out-of-pocket deductible. The Annual Out-of-Pocket Limit is $ 4,620. This results in lower monthly premiums. After you reach your out-of-pocket limit, Plan K will pay 100 percent of your Medicare Part A and Preventative coinsurance. Unlike most of the other plans, Plan K pays a percentage (50%) rather than all the costs for its other covered services outside of Medicare. This plan may save you money if you currently have low medical expenses, but be aware that unplanned future health care costs could occur. Also, switching to another Medigap policy at a later date may be difficult when you find you need more medical services.
Review Plan K and compare it to the other Medicare Supplement Plans to determine which one fits your individual needs. After you have reviewed them, Medigap4Seniors can do your insurance company shopping for you with an instant quote from the many insurance companies in your area. If you need assistance you can call us at 888.502.5553 and a Medicare insurance specialist will answer any questions you might have.

Medicare Supplement Plan K Coverage

Basic Benefits including:

  • Hospital Coinsurance
  • Medicare Part B Coinsurance (50%)
  • 365 Additional Days Hospitalization Coverage
  • Additional Blood Coverage (50%)
  • Medicare Part A Deductible (50%)
  • Hospice Care Coinsurance or Copayment (50%)
  • Preventative Care
  • Skilled Nursing Coinsurance (50%)

Medicare Supplemental Plan K does not Cover:

  • Medicare Part B Deductible
  • Medicare Part B Excess Charges
  • Foreign Travel Emergency
  • At Home Recovery
The CMS (Centers for Medicare and Medicaid Services) defines a benefit period as the time from the first day you are admitted to the hospital until 60 days after you leave)
Service:HOSPITALIZATION Provides semi-private room + general nursing services and supplies
First 60 daysEverything over $1,364$1,364$0
61-90 daysEverything over $341/dayFirst $341/day$0
91 + days:
While using 60 day lifetime ReserveEverything over $682/dayFirst $682/day$0
After 60 day lifetimeReserve is exhausted
Additional 365 days$0100% of Eligible Expenses$0
Days after the additional 365 days$0$0100% of all costs
Service:Skilled Nursing Facility (SNF) Care You must met Medicarer’s requirements, including having been in a hospital for at least 3 days and entered a Medicare-approved facility within 30 days after leaving the hospital:
First 20 daysAll approved amounts$0$0
21-100 daysEverything over $170.50/day$170.50/day$0
101 + days$0$0100% of all costs
First 3 pints$03 pints$0
Additional Amounts100%$0$0
Service:Hospice Care Available as patient option with doctor certification of terminally ill status
 All costs (excluding limited coinsurance for outpatient drugs and inpatient respite Care$0Remainder
Service:Part B provides coverage for doctors services outside the hospital setting and other medical services that Part A doesn’t cover such as Doctor visits — whether received as an inpatient at a hospital or at a doctor’s office, or as an outpatient at a hospital, Laboratory tests and X-rays, Physical therapy or rehabilitation services, Ambulances service, Some home health care and Various medical equipment and supplies when they are medically necessary.
Medicare Insurance PaysMedigap Plan PaysYou Pay
First $185 of approved Medicare Amounts$0$185$0
Remainder of Approved Amounts80%20%$0
Part B Excess Charges (not Medicare Approved)$0100%$0
First 3 pints$0100% of costs$0
Next $185 of Approved Amounts$0$185 (Plan B Deductible)$0
Remainder of Approved Amounts80%20%$0
Services:Clinical Laboratory Service
Blood test for Diagnostics100%$0$0
Service:Home Health Care
Medicare Insurance PaysMedigap Plan PaysYou Pay
Necessary skilled care Services and supplies100%$0$0
First $185 of approved Durable Medical Equipment$0$185 (Part B Deductible)$0
Remainder of approved amounts80%20%$0
Service:At home Recovery Services Doctor certified care at home for recovery from a health condition approved by a Home Care Treatment Plan
Benefit for each visit of costs$0Max. of $40/visitRemainder of costs
Number of visits$0Max. of 7 visits per weekRemainder of costs
Calendar year max.$0$1600Remainder of costs
Services:Preventative Medical Care Benefit-Not Covered By Medicare
First $120 of each calendar year$0$120$0
Additional Charges$0$0100%
Service:Foreign Travel Medical Emergency services during the first 60 days outside the U.S.A.
First $250 of each calendar year$0$0$250
Remainder of costs$080% (lifetime max. of $50,000)20% + 100% of lifetime max
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