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Medicare Supplement
What's
Covered
Only you know which Medicare supplement
plan will best suit your lifestyle and your budget. That's
why TRH offers all 10 federally approved Medicare supplements.
Every year the federal government makes changes in Medicare
deductibles and coinsurance. We revise our coverage to meet
Medicare's yearly changes.
Claims for TRH Medicare supplements are administered by BlueCross
BlueShield of Tennessee. TRH and BCBST began working together
in the 1940s. TRH has enjoyed steady growth since it was established
in 1947. With TRH and BCBST you get top-notch customer service
and the security of a strong, stable financial history.
Which TRH Medicare
supplement plan is right for you?
TRH offers 10 federally approved Medicare supplement plans. However, the most popular plans are Plan J, Plan F, and Plan C. All plans must include coverage
for basic benefits.
Basic benefits are:
- Hospitalization - Part A coinsurance plus coverage
for 365 additional days after Medicare benefits end.
- Medical Expenses - Part B coinsurance (20 percent
of Medicare approved expenses).
- Blood - First three pints of blood each year.
Plan A provides basic benefits coverage only. It includes
no coverage for any other services. It is designed for those
who feel financially able to handle both Part A and Part B
deductibles plus virtually all other hospital and medical
expenses above what Medicare pays.
Plans B through J add coverage for the Part A hospital
deductible.
Plans C through J include coverage for skilled nursing
coinsurance (up to the daily coinsurance amount for days
21 through 100 of care) and a $50,000 lifetime maximum benefit
for medically necessary emergency care when traveling outside
of the United States.
The Part B deductible for medical expenses is covered under
Plans C, F and J.
Coverage for Part B excess charges (the difference
between the Medicare approved amount and the provider's actual
charges) is included in Plans F, G, I, and J. Plan G
pays 80 percent of excess charges. Plans F, I and J
pay 100 percent of excess charges.
At-home recovery services
(short-term, at-home assistance with daily living activities
such as bathing, dressing, personal hygiene, etc.) are part
of Plans D, G, I and J up to $1,600 per year.
Coverage for preventive care services is included in Plans
E and J. With these plans, preventive care services, such
as physicals, cholesterol screenings, hearing tests and diabetes
screenings are paid up to $120 per year.
Guaranteed Renewable - As long
as you make premium payments on time, do not file claims with
false or misleading information, and maintain your annual
membership dues, you'll have the security of TRH Medicare
supplement coverage as long as you want it.
Money Back Guarantee - If you
are not 100 percent satisfied with your TRH Medicare supplement
plan, return the certificate to us within 30 days after you
receive it and we will refund any payments you have made (less
any benefits provided) with no questions asked.
Call
your local TRH Representative today or
contact us.
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