This presentation compares Medicare POTENTIAL Expenses for a Beneficiary, to what their costs would be if they had a standard "F" Plan

1. Medicare Supplements
How Do They Work
The Basics of an “F” Plan

2. The “F” Plan
• Many Versions of Supplement Plans
• A, B, C ->F, Etc.
• Each One Pays Different Amounts Towards What Medicare Does Not Pay
• Most Popular Is The “F” Plan
• The “Cadillac” of Coverage
• An “F” Plan Picks Up Where Medicare Ends
• Under Medicare Guidelines, Each Insurance Carrier Has Virtually The Same Features for Each Plan
• So, All “F” Plans Are Virtually the Same, Regardless of Carrier
• The Only Way That Carriers Differentiate Themselves is Through Service
• Let’s Compare Your Potential Financial Risk Between Having JUST Medicare and an “F” Plan
• Medicare Part “A” – Hospital Expenses
• Medicare Part “B” – Medical Expenses
DISCLAIMERS
• ONE – Each plan is different. Be sure to consult your adviser.
• TWO – Rates illustrated are for 2013. 2014 Costs are slightly higher
• THREE – You may not need medical care in 2014. This is merely an illustration as to what your financial exposure is, should you need
medical care.

3. “F” Plan – Hospital Expenses - 2013
HOSPITAL EXPENSES
• PREMIUM - Zero monthly Premium
• DEDUCTABLE - You pay the first $1,184 during a
benefits period.
• CO-PAYS
• Days 1-60 – NOTHING
• Days 61-90 - $296/Day
• Days 91-150 - $592/Day
• After Day 150 – You pay all - ????
• SKILLED NURSING CO-PAY
• Days 1-20 – Nothing
• Days 21-100 - $148/Day
• After 100 Days – You pay all - ????
POTENTIAL COSTS
ZERO
$1,184
ZERO
$8,880
$35,520
?????
ZERO
$11,840
????
$0 - $56,000
( Possibly Even Higher)
“F” Plan
ZERO
ZERO
ZERO
ZERO
ZERO
?????
ZERO
ZERO
????
$0 On Medicare
Approved Expense

4. “F” Plan Supplement – Medical Expenses
MEDICAL EXPENSES
• MONTHLY PREMIUM - $104.90/Month
• ANNUAL DEDUCTIBLE - $147
• COINSURANCE
• 20% of Bill – NO CAP
• Specialist – An additional markup
• Other Items
• ER Visit
POTENTIAL COSTS
$1,184 Annually
$147
Serious Illness – Easy to
run up $100K
Medical Bill = $20,000
What about $200,000
Medical Bill = $40,000
Specialists Even Easier
Allowed Premium Rates
ER Visits
$20,000-$40,000 or Even
a Lot more.
“F” Plan
$1,184
ZERO
ZERO
ZERO
ZERO
????
$0 on a Medicare
Covered Expense

5. Adding The Two Together
BASIC MEDICARE A+B
• Part A - Hospital
Expenses
• Part B - Medical
Expenses
WITHOUT A PLAN
HOSPITAL POSSIBLE COSTS
$0 - $56,000
( Possibly Even Higher)
MEDICAL EXPENSES
$0 - $40,000 or Even a Lot more
$0 - $96,000
With no Cap Protection
Serious Illness Can Just Wipe Us
Out
WITH AN “F” PLAN
HOSPITAL POSSIBLE COSTS
ZERO
( Possibly Even Higher)
MEDICAL EXPENSES
ZERO
ZERO
On Medicare Approved Expenses
You Still Have to Pay Your Monthly Part B
Premium of $104.90
See an Agent for more information. You
must medically qualify for an “F” Plan