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Medigap Plan E - Medicare Supplement

Beginning June 1, 2010 Plan E will no longer be offered as a Medicare Supplement plan. Current policyholders should note that current Plan E enrollees will not lose their current Plan E coverage.

Medicare Supplement Plan E is one of the few Supplement Plans that has offered enrollees Preventative Care Coverage. Overall Plan E is very similar to Plan D. It however does not offer the At Home Recovery benefits that Plan D has, and Plan D does not offer the Preventative Care Coverage that Plan E offers. It does not offer the overall comprehensive benefits of some of the other plans, but it also offers lower premiums.

Plan E benefits include basic coverage, the Part B coinsurance, and the Part A deductible. Also included are skilled nursing facility coinsurance, emergency care abroad, and preventive care not covered by Medicare.

Not included in Plan E are the Medicare Part B deductible, the Medicare Part B Excess Charges, and recovery care at home, Medicare excess charges which aren’t covered and don’t count toward the out of pocket limit. You are obligated to pay these excess charges.

Effective June 1, 2010 Plan E will no longer be offered as a Medigap supplementary insurance policy. Policyholders can take note, however, that current Plan E enrollees will not lose their current Plan E coverage. One of the main changes in Medicare’s effort to modernize their plan offerings is the elimination of certain benefit options. Preventive Care and At Home Recovery are being removed due to a lack of use, making Plan D and Plan E identical. This is why the plan is being eliminated and Plans M and N are being introduced in its place.

As stated before, policyholders that are currently enrolled in Plan E will not be kicked off of their plan coverage or be forced to leave. They will enter what is called a “closed” block of business. There will simply be no more Plan E coverage sold after June 1, 2010.

It can be difficult to determine which plan is right for you, and not all providers offer every single Medicare Supplement Plans. Our trained specialists can help you find the plan that best fits your needs and budget. Most insurance carriers offer a variety of plans, so our specialists can help you shop around for the best price.