Medicare Supplement Insurance Plans K and L

Plan K complementario de Medicare

Plan K covers services similar to other Medicare Supplement insurance plans, but instead of paying all of your costs, it only pays a percentage. Another feature that makes Plan K different is the added protection of an out-of-pocket annual limit. Once you reach the limit, the plan pays 100% of Medicare-approved costs for the rest of the year.

In general, Plan K offers a lower monthly premium than Plan L, but higher coinsurance and a higher annual out-of-pocket limit.

Plan L complementario de Medicare

Plan L is similar to Plan K but covers a higher percentage of your costs and offers a lower annual out-of-pocket limit. This does, however, result in a higher monthly premium.

La cobertura del plan K complementario de Medicare proporciona:

• 100% coverage for Medicare Part A hospitalization coinsurance plus coverage for 365 days after Medicare benefits end
• 50% hospice coverage for Medicare Part A coinsurance
• 50% de los gastos elegibles de Medicare para las primeras 3 pintas de sangre
• 50% Medicare Part B coinsurance, except for preventive care services, which are covered 100%

Además de estos beneficios básicos, el plan K también ofrece:

• 50% coverage for skilled nursing facility care coinsurance
• 50% coverage for your Medicare Part A deductible
• $7,060 out-of-pocket annual limit for 2024 (out-of-pocket annual limit will increase each year for inflation)

La cobertura del plan L complementario de Medicare ofrece:

• 100% coverage for Medicare Part A hospitalization coinsurance, plus coverage for 365 days after Medicare benefits end
• 75% hospice coverage for Medicare Part A coinsurance
• 75% de los gastos elegibles de Medicare para las primeras 3 pintas de sangre
• 75% Medicare Part B coinsurance, except for preventive care services, which are covered 100%

Además de los beneficios básicos, el Plan L también ofrece:

• 75% coverage for skilled nursing facility care coinsurance
• 75% coverage for your Medicare Part A deductible
• $3,530 out-of-pocket annual limit in 2024 (out-of-pocket annual limit will increase each year for inflation)