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MEDICARE SUPPLEMENTS
GOLDEN RULE - Medicare was never designed to pay for all of your health care needs. It is an important part of your health insurance protection, but it is only a part.
Golden Rule provides protection through Plans A, C, F, and G You decide which plan is right for you.
Our plans allow you the freedom to choose your own doctor.
Your plan is guaranteed renewable. As long as you pay your premiums on time, your policy cannot be canceled.
Premiums in many states are rated on an attained-age basis which means your premiums may change when your age increases. Your premiums may change when you move to a different Zip Code area. If you use tobacco, your premiums may change after the first 12 months of coverage. Otherwise, your premium cannot be changed unless we make the same change for all policyholders insured under this policy form in your state.
Thirty-day free look: If for some reason you are not completely satisfied with your policy, you can return it to us. If you return the policy within 30 days of receiving it, Golden Rule will fully refund any premium you have paid.
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ANTHEM - If you're a Medicare beneficiary looking for coverage to fill in the Medicare gaps, you've come to the right place. Here you'll find a choice of coverage at competitive rates to help fill those gaps, and online tools to help put you more in charge of your own health. Our Medicare Supplement plans come with the Anthem tradition of service, value and financial strength that has made our name a household word.
Anthem’s Medicare Supplement plans are available in five standardized plan designs: A, B, F, I and J. All plans provide government-prescribed Basic Benefits, which include:
Basic Benefits
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Hospitalization: Part A coinsurance for the 61 st through the 150 th day plus 100% coverage for 365 additional days after Medicare hospital benefits end |
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Doctor bills and outpatient services: Medicare Part B coinsurance (the 20% of eligible expenses not paid by Medicare) after the Part B deductible ($110 in 2005) is met |
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Blood: The first three pints of blood each year |
Plan A Benefits
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Basic Benefits as described above |
Plan B Benefits
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Basic Benefits as described above |
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Part A deductible ($912 in 2005) |
Plan F Benefits
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Basic Benefits as described above |
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Part A deductible ($912 in 2005) |
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Skilled nursing care coinsurance for up to 100 days |
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Part B deductible ($110 in 2005) |
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100% of Part B excess charges |
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80% of foreign travel emergency costs after $250 deductible for the first 60 days of each trip |
Plan I Benefits
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Basic Benefits as described above |
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Part A deductible ($912 in 2005) |
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Skilled nursing care coinsurance for up to 100 days |
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100% of Part B excess charges |
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80% of foreign travel emergency costs after $250 deductible for the first 60 days of each trip |
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At-home recovery visits (up to $1,600 a year) |
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Basic outpatient prescription drugs (up to $1,250 a year, after $250 deductible)* |
Plan J Benefits
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Basic Benefits as described above |
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Part A deductible ($912 in 2005) |
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Skilled nursing care coinsurance for up to 100 days |
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Part B deductible ($110 in 2005) |
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100% of Part B excess charges |
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80% of foreign travel emergency costs after $250 deductible for the first 60 days of each trip |
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At-home recovery visits (up to $1,600 a year) |
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Extended outpatient prescription drugs (up to $3,000 a year, after $250 deductible)* |
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Preventive medical care (up to $120 a year) |
*Plan I and J members will have their prescription drug benefits administered by Anthem Prescription Management (APM). These members will enjoy the following advantages of APM:
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Real-time processing, which means no hassle of collecting receipts and completing a claim form if drugs are obtained from an APM network pharmacy. |
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Access to more than 53,000 chain and independent pharmacies nationwide, including the convenience of having prescriptions filled at home and while traveling across the United States. |
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Anthem’s negotiated discount on the cost of drugs. Plus, after you reach your Medicare Supplement plan’s prescription drug maximum, you’ll continue to receive Anthem’s negotiated discount on the retail cost of your medication. |
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Anthem Rx Direct mail service pharmacy, a convenient way for members to order maintenance medications used to treat ongoing conditions. |
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Management of drug utilization to ensure the appropriate medication is being used for the medical condition and the proper dosage is dispensed. |
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MUTUAL OF OMAHA - Medicare supplement insurance may help pay some of the expenses not covered by Medicare like: Part A deductible and co-payments, skilled nursing facility care, extended hospital care, physician's services, hospital outpatient services and supplies, ambulance services, and physical and speech therapy. Mutual of Omaha offers many products that can be help with such expenses. Please contact one of our agents to discuss options with you.
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LONG TERM CARE
MUTUAL of OMAHA - A long-term care insurance policy covers a variety of medical, personal and supportive services provided at home, in an assisted care facility or in a nursing home for an extended period of time. It can help you avoid depending on others for care, preserve your independence, protect your standard of living and give you greater choices if you need confined care or home health care. Mutual of Omaha can help provide you with such care and protect your future care.
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JOHN HANCOCK - No matter how well off you are financially, the cost of long term care could severely impact your life's savings. A John Hancock long term care (LTC) insurance policy can provide the protection you need. It can also help you retain your independence, even if an accident or illness takes away your ability to care for yourself.
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METLIFE -
With over 130 years behind them, you can count on MetLife to be there for your needs. Their prudent financial management has enabled them to consistently meet their customers’ needs around the world. Today, the company provides insurance, and annuities to approximately one of every eleven households
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ALLIANZ - In order to safeguard your life’s achievements, it is essential to ensure your personal safety, maintain your health, protect your property and provide for your and your family’s future. Allianz offers a wide range of private insurance solutions that can provide you with security and peace of mind — both now and in the future.
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GE CAPITAL- General Electric Capital Corporation is a global, diversified financial services company engaged in commercial finance, consumer finance, equipment management and insurance. With assets of approximately $500 billion, GE Capital serves consumer and businesses in 47 countries around the world.
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PHYSICIANS MUTUAL INSURANCE - The companies that are the easiest to work with are those that are flexible and offer you choices. At the Physicians Insurance Companies, they know that one size doesn't fit all. That's why they continue to develop products and provide services that can evolve with their customers' changing needs.
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