Page 16 - Cover Letter and Evaluation for Steve DIckhaus

Medigap Plan Comparisons: This chart (pages 6-7) shows how much cost-sharing you have in various Medigap plans in
Minnesota. Not included are payments for services that Medicare does not cover like routine dental and vision care and hearing aids.
The Extended Basic Plan covers 120 days in a skilled nursing facility, whereas Medicare's coverage is for only 100 days.

During the first six months that you have Part A and Part B, you can purchase a Medigap policy without answering questions
about your health. But with some exceptions, after that initial six-month period is past, you will be medically underwritten when you
buy a policy or upgrade from a less comprehensive to a more comprehensive plan.

Minnesota is one of three states that Coverage area Estimated annual premiums*
design their own Medigap policies. Thus 2020 Coverage Gap
the benefits in Minnesota's Medigap
policies are slightly different than in the $352 daily co-pay for days 61-90; $704
nationally standardized plans designated Part A Hospital Co-Insurance daily co-pay for days 91-150; All plans
by letters of the alphabet (Plan A, etc.). cover 365 additional days.

The two Minnesota-designed Medigap
plans are the Basic Plan and the Part A Skilled Nursing Facility Co- A $176 daily co-payment for days 21-100 in a skilled
Extended Basic Plan . Even though they Insurance nursing facility
were designed for Minnestota residents,
these two plans' coverage is good Part A Hospice Care Co-Insurance 5% co-insurance for respite care; $5 co-
anywhere in the United States, and there or Co-Payment payment for inpatient drugs
are no network restrictions.

People who purchase the Basic Plan can Part A Hospital Deductible In 2020 the Part A deductible is $1,408
also buy one or more riders that will plug
some of this plan's gaps. There are a total Part B Deductible In 2020 the Part B deductible is $198
of four riders. As an example of how a
rider works, the Basic Plan does not cover
the Part A deductible, which is $1,408 in Part B Co-Insurance or Co- 20% of Medicare-approved amounts for most
2020. But Basic Plan policyholders can Payment services covered by Part B after the $198 deductible
acquire a rider at an additional cost to pay is paid
this deductible if they are admitted to the
hospital. Riders are not needed for the In most states, providers who do not accept
Extended Basic Plan because they would assignment can charge up to 15% more than
duplicate some of the plan's very Part B Excess Charges** Medicare-approved amounts. Three Medigap plans
comprehensive benefits. cover these excess charges. Minnesota prohibits
excess charges.
A few insurance companies also sell one or Medicare does not cover medical care outside the
more nationally standardized plans (Plans United States. But some Medigap plans indicated do
K, L, M & N), but in Minnesota not enough Foreign Travel Emergencies*** offer some coverage for emergency medical care in
companies sell them to ensure that there's other countries. Minnesota's Extended Basic Plan
a competitive market. In 2020, for also includes some coverage for routine medical care
instance, only two companies offer Plan N, in other countries.
but 21 companies sell the Basic Plan and
also the Extended Basic Plan. Blood First 3 pints of blood

*Estimated average annual premiums are based on your state insurance department's Medigap comparisons and other sources.
Some estimates may be out of date, and you should use them only as starting points in finding companies that have low premiums.
**Minnesota law prohibits doctors and other medical providers from charging more than Medicare's approved rates. But if a
Minnesota resident gets care in a state that does allow these extra charges, a provider is allowed to charge up to 15% more.
***The Basic Plan and the Extended Basic plan both cover 80% of the cost of emergency medical care when you are in foreign
countries. The Extended Basic Plan also covers 80% of the cost of routine medical care in other countriers. And seven of the nationally
standardized plans also cover 80% of medical emergencies in other countries, with a $250 deductible and a $50,000 limit.

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