Page 13 - Cover Letter and Evaluation for Stephen Spero
P. 13

Your estimated costs in each plan


                                                                                               Anthem MediBlue
                                                                            Anthem MediBlue
                         Plan name     Medigap Plan G     Medigap Plan N                       Coordination Plus
                                                                             Plus HMO Plan
                                                                                                  HMO Plan
                 Toll-Free Number           NA                 NA            (844) 316-0357     (844) 799-9862

                 Health plan premiums + medical deductible + Rx drug costs
          lity ratings from
          Medicare web site
             Part B premiums for 3
                months ($144.60 a           $434              $434               $434               $434

                           month)*
             Health plan premiums

             for 3 months  (Medigap         $425              $350                 $0                 $0
               premiums are estimates)

                Health plan/Part B
                      deductible**          $198              $198                 $0                 $0
               Rx drug costs for 3
             months in lowest-cost          $625              $625               $416               $797
                             option

                              Total        $1,682             $1,607             $850               $1,231

                                                                           Excellent.
                                 Part A and Part B out-of-pocket costs
                                                                           $3,399 limit
           Part A: The amount you                                                              $1,408 deductible
                 will pay if you are      No cost            No cost       $295 a day for days  for days 1-60; $352
                                                                                                daily co-pay for
                                                                           1-7; 0 for days 8-90
                       hospitalized                                                               days 61-90

            Part B:  Amounts owed                         Below are cost-

               for most outpatient   No cost after Part B   sharing amounts   Low co-pays for   20% co-insurance
                                                                                               for many services
                                                            after Part B
                                      deductible is paid
                                                                              most services
                           services                      deductible is paid
                                  Cost-sharing for doctors' office visits
                                                                    =           Some dental and vision benef
            In-Network Primary
                Care Co-Pays                             After deductible is      $10          20% co-insurance
                                                        paid, up to $20 for
           In-Network Specialist     No cost after Part B   doctors' office visits   $35       20% co-insurance
                   Co-Pays            deductible is paid  and $50 for visit to

              Out-of-Network                             emergency room    No coverage unless  No coverage unless
                   Co-Pays                                                     emergency          emergency
          *This is 2020 Part B premium for new enrollees. Higher income people may pay more.
          **Part B deductible in 2020 is $198.



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