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Medigap Plan J - Medicare Supplement

Beginning June 1, 2010 Plan J will no longer be offered as an option for a Medigap Supplement plan. Current policyholders should note that current Plan J enrollees will not lose their current Plan J coverage.
 
Medicare Supplement Plan J is an extremely popular plan because of the coverage it offers. The plan was designed to cover all the gaps in the other Medicare services, as well as covering Preventative Care and Home Recovery services. These two services are not covered by the Original Medicare Insurance and set this plan apart from similar comprehensive plans like Plan F.
 
Plan J includes coinsurance for Medicare Part A and also all expenses after your hospital benefits have run out. Part B outpatient care service copay or coinsurance and blood services for the initial 3 pints of blood are also included. Hospice Care Coinsurance or Copayment and coinsurance for skilled nursing facility services as well as the Medicare Part A  and B deductible, Medicare Preventive Care Part B Coinsurance, and the Excess Charges are covered. Plan J also covers emergency insurance for travel abroad. Two unique features that are also included in this plan are home-based recovery and other non-Medicare preventative care. Medigap Plan J covers all the costs not paid by Medicare Insurance.
 
You can also enroll in a Plan J policy with a high deductible. In this plan, you are responsible for Medicare-covered costs until you hit the deductible before the policy will pay anything. The high-deductible amount for both 2009 and 2010 was $2000.
 
Starting June 1, 2010 Plan J will no longer be offered as a Medicare Supplement plan. Policyholders can take note, however, that current Plan J enrollees will not lose their current Plan J 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 J identical to Plan F. 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 J 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 J coverage sold after June 1, 2010.
 
It can be difficult to determine which plan is right for you, and not all providers offer all 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.