Over 25 Years Insurance Experience

Carlton Group Insurance Services, Inc., Clarksville, TN

TN Insurance-Medicare Supplement Insurance

In TN Medicare Doesn't Pay All Medical Expenses-Medicare (Medigap) Supplement Insurance Helps Pay These Costs.  Medicare Supplement Policies fill the "gaps" in Medicare.

 

Available

Discount Health Plans

Basic Health - $ 29.95

Total Health - $ 39.95

Total Health Plus - $ 59.95

(Includes Entire Household)

 

For more information :

Call Medicare

1-800-633-4227

Visit Medicare online www.medicare.gov

Social Security Administration-

1-800-772-1213

 

Medicare is a health insurance program for . . .

  • people age 65 or older
  • people under age 65 with certain disabilities, and
  • people of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant).

Medicare consists of . . .

Part "A" - Commonly referred to as "hospital insurance".

It helps pay for care in a hospital, hospice care facility, home health care, and, under certain conditions, skilled nursing facility care for a limited period of time.  Most people do not pay for Medicare Part A because they or a spouse have 40 or more quarters of Medicare covered employment.  There is a premium for Part A for those who otherwise quality, who have less than 40 quarters of Medicare covered employment.

Part "B" - Commonly referred to as "medical insurance".

It helps pay doctor's charges, outpatient care and other medical services.  Most people do pay for Medicare Part B.  The premium for 2009 is $96.40.

 

Standardized Benefits

Medicare Part A

Hospital Coverage

Medicare

Pays

You

Pay

Deductible
$ 0 $ 1,068
First 60 Days
100% $ 0
61 - 90 Days
All but $ 267 per day $ 267 per day

Skilled Nursing

Facility Care

   
First 20 Days
All Approved Amounts $ 0
21 - 100 Days
All but $ 133.50 per day $ 133.50 per day

Medicare Part B

Medical Expenses

   
Deductible
$ 0 $ 135

Remainder of Medicare Approved

Amounts

Generally 80% Generally 20%

 

Skilled Nursing Facility CareMust meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare-Approved facility within 30 days after leaving the hospital

This table does not reflect all services and co-insurance amounts.  We have highlighted certain services to give you some idea of the amounts for which you could become responsible.

If you would like complete details on the various Medicare Supplement Plans, please call our office.

Dental Care Savings Up to 80%

 

 

Explore Health Insurance

What is "Consumer Driven Healthcare"?

In health insurance-What are "pre-existing" conditions?

Understanding health insurance terms like "co-payment" and "lifetime maximum"

What are the "deductibles" and "co-insurance" in your health insurance plan?

Things to look for in an individual health insurance plan in Tennessee

How can Medicare Supplements help pay what Medicare doesn't pay?

Helping you prepare for the unthinkable - Long Term Care

 

 

Information pertaining to Medicare; Medicare Supplement (Medigap) policies; and the new Prescription Drug Coverage contained in this website is for information purposes only and outlines basic information.  Each person's situation will vary and only after professional counseling with an insurance professional can the right program be suggested. You should not allow yourself to be pressured into enrolling in any program until you are absolutely satisfied that it is the right program for you.

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Carlton Group Insurance Services, Inc (the Company) is authorized to solicit and transact business on behalf of MetLife® Bank in the state of Tennessee.   The Company is currently licensed by the Tennessee Department of Commerce and Insurance to solicit and take applications for life insurance; health insurance; annuities; and auto and home insurance in the entire state of Tennessee. 

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