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2010 Medicare Changes
 
2010 Medicare Changes 

Medicare Part B Premium, Deductibles and Co-payments for 2010

Basic Part B premium: $110.50/month (was $96.40) Most beneficiaries will not pay this increase due to a "hold-harmless" provision in the Medicare law prohibiting Part B premiums from rising more than that year's cost of living increase in Social Security benefits.

  • Part B deductible: $155 (was $135)
  • Part A deductible: $1,100 (was $1,068)
  • Co-payment for hospital stay days 61-90: $275/day (was $267)
  • Co-payment for hospital stay days 91 and beyond: $550/day (was $534)
  • Skilled nursing facility co-payment, days 21-100: $137.50/day (was $133.50)

Premiums for higher-income beneficiaries:

  • Individuals with annual incomes between $85,000 and $107,000 and married couples with annual incomes between $170,000 and $214,000 in 2010 will pay a monthly premium of $154.70.
  • Individuals with annual incomes between $107,000 and $160,000 and married couples with annual incomes between $214,000 and $320,000 in 2010 will pay a monthly premium of $221.
  • Individuals with annual incomes between $160,000 and $214,000 and married couples with annual incomes between $320,000 and $428,000 in 2010 will pay a monthly premium of $287.30.
  • Individuals with annual incomes of $214,000 or more and married couples with annual incomes of $428,000 or more in 2010 will pay a monthly premium of $353.60.

Rates differ for beneficiaries who are married but file a separate tax return from their spouse:

  • Those with incomes between $85,000 and $128,000 will pay a monthly premium of $287.30.
  • Those with incomes greater than $128,000 will pay a monthly premium of $353.60.

2010 Modernized Medicare Insurance Plans

The federal government suggested in 2003 to modernize the Medigap market, the NAIC reviewed the current plans and determined updates were needed given marketplace changes since 1990. So effective June 1, 2010, consumers coming on Medicare will choose from 10 Medigap plans.

Effective June 1, 2010, consumers on Medicare will choose from these 10 Medigap plans: A, B, C, D, F, G, K, L, M and N.

Changes from the 1990 standardized plans include:

  • Eliminated Plans E, H, I and J
  • Removed at-home recovery and preventive care benefits from all plans
  • Increased Part B excess charges coverage from 80% to 100%
  • Added a hospice benefit to the basic (core) benefits
  • Created Plans M and N featuring higher cost-sharing at lower premiums

A common question about the transition to the Medigap modernized plans is what happens to current policyholders' plans.

The answer is simple: Current polcyholders may keep their standardized plans, including those being eliminated on June 1 (Plan J for example).

  • Standardized Plans are Grandfathered - You're not required to convert your current plan to modernized plan. You will not be automatically switched to or forced to convert to modernized plans. You may keep your current coverage and keep it as long as premiums are paid. Coverage is guaranteed renewable for life.
  • Standardized Plan Benefits Don't Change - Standardized plans may contain benefits that are not in the modernized plans. For example, consumers with Plan G today would gain the hospice benefit but lose the at-home recovery benefit if they buy Plan G after June 1, 2010.
  • Plan J Guarantee Issue Conversion Privilege - Current Medicare Beneficiaries with a Medicare supplement Plan J may keep their plan or replace it anytime with another Medicare supplement offered in the state (including a modernized plan effective on or after June 1). The new policy will be guaranteed issue.

2010 Modernized Plans M & N

You now have the option to choose one of two new Medicare supplement plans.  We are pleased to announce the availability or Plans M & N as part of the 2010 Modernized Plans.

Plans M and N feature higher cost sharing and lower anticipated premiums for policyholders.

Plan M - has increased cost-sharing (50% of the Part A Deductible, no coverage for Part B Deductible)

Plan N - has new co-pay structure ($20 co-pay for physician visits, $50 co-pay for ER) and no coverage for Part B Deductible

Medigap Plan changes to come into effect 6/1/2010. For more information on the upcoming Medigap Plan changes, please contact one of our agents at 1-866-849-5465.
 
Medigap Select of Texas
 
Medigap Select of Texas has built this website with one purpose in mind, which is to make sure that Seniors have one of the most reliable sources on the internet to make sure that they find the best Medicare supplement plan available. We have broken the site up in different areas to make sure that you personally can get the most possible information on Medicare supplements in Texas or in any state you may live in. If you have yet to search through our site, below are some quick reference links to help navigate you around.
 
 
 
 
Medicare Supplement - Medigap Insurance Companies
Aetna Medicare Insurance | American Continental Medicare Insurance | American National Medicare Insurance 
Assured Life Medicare Insurance | Blue Cross Blue Shield Medicare Insurance | Conseco Medicare Insurance
Continental General Medicare Insurance | Continental Life Medicare Insurance | Family Life Medicare Insurance 
Gerber Life Medicare Insurance | Heartland National Medicare Insurance | Humana Medicare Insurance 
Loyal American Medicare Insurance | Mutual of Omaha Medicare Insurance | New Era Medicare Insurance 
Pacificare Medicare Insurance | Provident American Medicare Insurance | Sentinel Security Life Medicare Insurance 
Standard Life Medicare Insurance | Sterling Investors Medicare Insurance | Unicare Medicare Insurance 
United Healthcare Medicare Insurance | United of Omaha Medicare Insurance | United Teachers Associates Medicare Insurance 
United World Medicare Insurance | Woodman of the World Medicare Insurance
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Medigap Select of Texas is in no way connected or endorsed by the United States Government, Federal Medicare Program, Centers of  Medicare and Medicaid, or the State of Texas. We are licensed independent agents who offer Medicare supplements and knowledge of Medicare options to potential clients. Please view this site as a resource tool to help understand Medicare and Medigap.
 
Medigap Select of Texas is not connected with or endorsed by the United States Government or the Federal Medicare Program.
 

We offer affordable rates for Texas Medicare Supplements in:

Abilene, Texas
Amarillo, Texas
Austin, Texas
Beuamont, Texas
Cedar Park, Texas
Corpus Christi, Texas
Dallas, Texas
El Paso, Texas
Ft. Worth, Texas
Georgetown, Texas
Houston, Texas
Laredo, Texas
Longview, Texas
Lubbock, Texas
Midland, Texas
Odessa, Texas
San Antonio, Texas
Sun City, Texas
Texarkana, Texas
Tyler, Texas
Waco, Texas

 

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