Medicare Supplement Insurance in North Branch, Minnesota

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Medicare Supplement Insurance
In North Branch, Minnesota

In North Branch, Minnesota

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Benefits of Medicare Supplement Insurance

Medicare Supplement insurance helps protect you from unexpected out-of-pocket health care costs, while also giving you the freedom to choose your own doctors and enjoy permanent coverage that you can keep even if your health changes.

Helps lower your out-of-pocket costs

Offers coverage that travels with you†

Provides permanent coverage, even if you develop health problems

Allows you to keep your doctor and visit any hospital - no networks, no referrals needed‡

What Are the Four Parts of Medicare and What Do They Offer? North Branch, Minnesota

Medicare Parts A and B are known as “Original Medicare.” Parts C and D are voluntary coverages.

Medicare Part A Hospital insurance

Covers inpatient hospital stays, up to 100 days of care in a skilled nursing facility, hospice care and some home health care

Medicare Part B Medical insurance

Covers certain doctors' services, outpatient care, medical supplies and preventive services

Medicare Part C Medicare Advantage

Includes benefits equal to Parts A and B. Offers additional benefits that vary, usually within a certain provider network, depending on the company and plan you choose

Medicare Part D Prescription drug coverage

Covers many medications that are prescribed by your doctor or other qualified health professionals

COMPARE THE FEATURES OF COLONIAL PENN'S MEDICARE SUPPLEMENT INSURANCE PLANS in North Branch, Minnesota

To help you pay for out-of-pocket medical costs that Medicare may not cover, we offer Medicare Supplement insurance plans CPL-GR-A820A, CPL-GR-A821A*, CPL-GR-A822A, CPL-GR-A823A, CPL-GR-A824A, CPL-GR-A825A, CPL-GR-A826A*, CPL-GR-A827 & CPL-GR-A828. Our knowledgeable agents/producers can help explain how each plan works and answer your questions related to Medicare or Medicare Supplement insurance. An insurance agent/producer may contact you.

	BASIC PLAN	EXTENDED BASIC PLAN	EXTENDED BASIC PLAN	PLAN WITH 50% COVERAGE	PLAN WITH 75% COVERAGE	PLAN WITH 50% PART A DEDUCTIBLE	PLAN WITH $20 & $50 CO-PAYMENT PART B COVERAGE	PLAN WITH HIGH DEDUCTIBLE	PLAN WITH HIGH DEDUCTIBLE
	CPL-GR-A820A	CPL-GR-A821A (if Medicare eligible before 1-01-2020)	CPL-GR-A827	CPL-GR-A822A**	CPL-GR-A823A**	CPL-GR-A824A	CPL-GR-A825A	CPL-GR-A826A* - (if Medicare eligible before 1-01-2020)	CPL-GR-A828*
"Basic Benefits: · Hospitalization – Part A coinsurance for the 61st - 90th day in any benefit period, any lifetime reserve day expenses not covered by Medicare, plus coverage for 365 additional days after Medicare benefits end. · Medical Expenses – Part B coinsurance (generally 20% of Medicare-approved expenses) or the co-payment amount for hospital outpatient services · Blood – First three (3) pints of blood each year. · Hospice – Part A coinsurance."
Medicare Part A Deductible	With Optional Rider CPL-300HA			50%	75%	50%
Blood (first 3 pints)				50%	75%
Medicare Part B Deductible	With Optional Rider CPL- 300KA (available if Medicare eligible before 1-01-2020)
Medicare Preventive Care				50%	75%
Medicare Part A Coinsurance
Medicare Part B Coinsurance				50%	75%		Co-pays apply
Medicare Part B Excess	With Optional Rider CPL- 300JA
Skilled Nursing Facility Coinsurance				50%	75%
Preventive Care Not Covered by Medicare	With Optional Rider CPL-300LA
Foreign Travel Care		80%***	80%***
Foreign Travel Emergency	80%					80%	80%	100%	100%
Out-of-pocket Annual Limit	None	$1,000***	$1,000***	$[6,220 for 2021]	$[3,110 for 2021]	None	None	None	None

Note: A

means 100% of the benefit is paid. ● Indicates plans currently available for sale.

*Plan with High Deductible pays benefits after the insured has paid a calendar year deductible $[2,370 for 2021] (amount adjusts annually). Benefits from this high deductible plan will not begin until out-of-pocket expenses exceed this high deductible. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy.
**Plans with 50% and 75% Coverage pay 100% of covered services for the rest of the calendar year once you meet the out-of-pocket annual limit which is set annually by the federal government.
***Pays 100% after the out-of-pocket limit is reached. This plan includes coverage for both emergency and non-emergency care.

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Policies are underwritten by Bankers Life and Casualty Company, except policies issued in New York, which are underwritten by Bankers Conseco Life Insurance Company.

Frequently Asked Questions About Medicare Supplement Insurance in North Branch, Minnesota

Medicare is a federal health insurance program for people who are:
- Age 65 and older.
- Younger than 65 with disabilities.
- Any age with end-stage renal disease (ESRD), a type of permanent kidney failure requiring dialysis or a kidney transplant.
Medicare has helped millions of Americans pay for the health care services they need. You've likely contributed to the program through the Social Security taxes deducted from your paycheck.
Medicare Part A generally covers the following:
- Hospital in-patient care
- Skilled nursing facility care
- Hospice care
- Home health services
Even when Medicare pays the cost of a service or item, you generally have your own portion to pay, in the form of deductibles, coinsurance and copayments.
Medicare Part B covers two types of services:
- Medically necessary services are needed to diagnose or treat your medical condition and must meet accepted standards of medical practice.
- Preventive services are intended to prevent illnesses like flu and detect serious conditions at an early stage, when treatment has the best chance of success.
Medicare Part B covers health care costs like:
- Ambulance services
- Durable medical equipment
- Outpatient care
- Getting a second opinion before surgery
- Some outpatient prescription drugs
Even when Medicare covers a service or item, you generally have your own portion to pay, in the form of deductibles, coinsurance and copayments.
Medicare does not cover all items and services. Some of these are:
- Most forms of Long-term care
- Custodial care
- Most forms of dental care
- Eye exams for prescribing glasses
- Dentures
- Cosmetic surgery
- Acupuncture
- Hearing aids and fitting exams
- Routine foot care
Medicare Supplement insurance offers a number of advantages:
- You get help paying out-of-pocket medical expenses like copays and deductibles, which makes it easier to manage your health care budget.
- Your Medicare Supplement coverage is valid everywhere in the U.S.
- You can visit any specialists with no referral needed, as long as the provider accepts Medicare patients.
- You can choose any doctor or hospital that accepts Medicare patients.
- You can choose from a variety of plan types to help meet your needs now and in the future.
Step one in obtaining Medicare Supplement insurance is completing an application. If you are not in your open-enrollment period or otherwise qualify for guarantee issue, you'll need to answer some medical questions. Our underwriters will review your medical history to determine if your application is acceptable, and to identify your risk classification. Your premium amount will be determined in part by the amount of insurance coverage you request.

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About Bankers Life

Bankers Life in North Branch, Minnesota is here to assist you with a retirement plan that helps provide security and peace of mind. With Medicare Supplement insurance, life insurance, long-term care insurance, supplemental health insurance and annuities, we can help you plan for medical expenses, protect your life savings, provide for your loved ones and more. Visit us at our North Branch, Minnesota location, or contact us at (800) 621-3724.

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Other Insurance, Annuities, and Securities Products Offered in North Branch, Minnesota

Medicare Supplement Insurance in North Branch, Minnesota

Medicare Supplement Insurance
In North Branch, Minnesota

Benefits of Medicare Supplement Insurance

What Are the Four Parts of Medicare and What Do They Offer? North Branch, Minnesota

Medicare Part A Hospital insurance

Medicare Part B Medical insurance

Medicare Part C Medicare Advantage

Medicare Part D Prescription drug coverage

Learn how you can prepare for long-term care needs in North Branch, Minnesota

Frequently Asked Questions About Medicare Supplement Insurance in North Branch, Minnesota

What is Medicare?

What does Medicare Part A cover?

What does Medicare Part B cover?

Is anything not covered by Medicare Parts A and Part B?

Why should I purchase a Medicare Supplement insurance policy?

When is the best time to buy Medicare Supplement insurance?

How do I apply for Medicare Supplement insurance?

Medicare Supplement Insurance in North Branch, Minnesota

Medicare Supplement Insurance In North Branch, Minnesota

What is Medicare Supplement Insurance?

Benefits of Medicare Supplement Insurance

What Are the Four Parts of Medicare and What Do They Offer? North Branch, Minnesota

Medicare Part A Hospital insurance

Medicare Part B Medical insurance

Medicare Part C Medicare Advantage

Medicare Part D Prescription drug coverage

Learn how you can prepare for long-term care needs in North Branch, Minnesota

Frequently Asked Questions About Medicare Supplement Insurance in North Branch, Minnesota

What is Medicare?

What does Medicare Part A cover?

What does Medicare Part B cover?

Is anything not covered by Medicare Parts A and Part B?

Why should I purchase a Medicare Supplement insurance policy?

When is the best time to buy Medicare Supplement insurance?

How do I apply for Medicare Supplement insurance?

Medicare Supplement Insurance
In North Branch, Minnesota