Medigap Benefit Term	Description of Medigap Benefit
Part A Deductible	Medicare Part A Hospital Deductible You may need this benefit if you have to stay in the hospital. The Part A deductible for 2005 is $912. This amount can change every year. You have to pay this deductible for each benefit period. Benefit covers: • $912 in 2005.This amount can change every year.
Part B Deductible	Medicare Part B Hospital Deductible You may want to consider this benefit (which is $110 in 2005) if you have Medicare Part B. Each year you must pay the Part B deductible before Medicare starts to pay its share. If you have this benefit, the Medigap plan would pay this amount each year. Benefit covers: • $110 per year.
Part A and B Coinsurance	Part A and B Coinsurance Benefit covers: • The Part A coinsurance amount for days 61-90 ($228 per day in 2005) and days 91-150 ($456 per day in 2005) of a hospital stay. • The coinsurance or copayment amount for Part B services after you meet the $110 yearly deductible.
Part B Excess - Above Medicare's Approved Amount	Medicare Part B Excess Charge Under federal law, doctors who don't accept "assignment " (take Medicare's approved amount as payment in full) may charge up to 15% more than the approved amount. You might want to think about this benefit if your doctors don't accept assignment. You may also want this benefit if you have to stay in the hospital and can't control whether the doctors you see accept assignment. Benefit covers: • Plans F, I and J pay all of the excess charges. • Plan G pays 80% of the excess charges.
Basic Drug Benefit ($1,250 Limit)	Prescription Drugs You may think about this benefit if you have high prescription drug costs. Because it covers half your drug costs after the yearly deductible, to get the full benefit under Plans H and I, you should have at least $2,750 in drug costs in a year (you pay $1,250 plus $250; plan pays $1,250). To get the full benefit under Plan J, you should have at least $6,250 in drug costs in a year (you pay $3,000 plus $250; plan pays $3,000). Benefit covers: • 50% of the drug costs that Medicare cover (after you pay a $250 per year deductible). • Up to $1,250 each year under Plans H and I. • Up to $3,000 each year under Plan J.
Extended Drug Benefit ($3,000 Limit)	Prescription Drugs You may think about this benefit if you have high prescription drug costs. Because it covers half your drug costs after the yearly deductible, to get the full benefit under Plans H and I, you should have at least $2,750 in drug costs in a year (you pay $1,250 plus $250; plan pays $1,250). To get the full benefit under Plan J, you should have at least $6,250 in drug costs in a year (you pay $3,000 plus $250; plan pays $3,000). Benefit covers: • 50% of the drug costs that Medicare cover (after you pay a $250 per year deductible). • Up to $1,250 each year under Plans H and I. • Up to $3,000 each year under Plan J.
Foreign Travel Emergency	Foreign Travel Emergency If you travel outside the United States, this benefit could save you money for emergency care. Benefit covers: • 80% of the cost of emergency care during the first 60 days of each trip (after you pay the $250 deductible). • Up to $50,000 in your lifetime.
At-Home Recovery	At-Home Recovery This benefit covers additional care at home if you are already getting Medicare-covered home health services. It pays up to $40 a visit and $1,600 a year. This benefit may cost a lot and may not be worth the additional premiums you pay for it. Benefit covers: • The cost of at-home help with daily activities like bathing and dressing if you are already getting Medicare-covered home health visits. • Up to 8 weeks of at-home help after skilled care is no longer needed. • Will pay up to $40 each visit and $1,600 each year.
Skilled Nursing Coinsurance	Skilled Nursing Coinsurance You may want to consider this benefit if you need to go to a Skilled Nursing Facility (SNF) after a hospital stay and stay in the SNF longer than 20 days. Benefit covers: • Up to $114 a day for days 21-100 in a Skilled Nursing Facility
Preventative Care	Preventative Care This benefit helps pay for routine yearly check-ups and tests (such as routine yearly check-ups, serum cholesterol E and screening, hearing tests, diabetes screening, thyroid function test) that may be important to you to keep you healthy. Benefit covers: • Up to $120 each year.
365 Extra Days of Hospital Coverage	365 Extra Days of Hospital Coverage Under federal law, doctors who don't accept "assignment" (take Medicare's approved amount as payment in full) may charge up to 15% more than the approved amount. You might want to think about this benefit if your doctors don't accept assignment. You may also want this benefit if you have to stay in the hospital and can't control whether the doctors you see accept assignment. Benefit covers: • 100% of the cost for up to 365 more days of a hospital stay during your lifetime after you use up all Medicare hospital benefits.
3 Pints of Blood	3 Pints of Blood Benefit covers: • The first 3 pints of blood or equal amounts of packed red blood cells per calendar year, unless this blood is replaced.