Pekin Life Medicare Supplement High Deductible Plan F for Arizona is a high deductible variation on the standard Plan F. It requires beneficiaries to pay all out-of-pocket expenses for the first $2,140 in charges, after which the Medigap plan kicks in and starts paying its portion of the coverage. If you are looking to avoid serious financial risk while keeping your premium low, this plan is worth examining. Once the deductible is met, Pekin Life Medicare Supplement High Deductible Plan F covers all remaining hospital and doctor costs after Medicare pays its portion.
Here's a list of costs and benefits covered by a High Deductible Plan F policy:
- Part A deductible
- Part B deductible
- Part B excess charges
- Preventative care Part B coinsurance
- Part A hospital and coinsurance costs up to an additional 356 days after Medicare benefits are exhausted
- Part B coinsurance or co-payment
- First three pints of blood used in an approved medical procedure (annually)
- Part A hospice care co-payment or coinsurance
- Skilled Nursing Facility (SNF) coinsurance
- Foreign travel emergency
Other Pekin Life Insurance Co plans may be available at a similar cost. However, the details of this high deductible plan make it an attractive option if you want to avoid the risk of high medical bills due to hospitalization, serious illness, or a chronic condition, while keeping your monthly premium as low as possible.
Coverage and Costs
Pekin Life Medicare Supplement High Deductible Plan F may offer expansive coverage, but it does not cover everything. Beneficiaries are still required to pay their Medicare Part B premium payments each month, and you may have a Part A premium if you did not pay Social Security taxes for at least 40 calendar quarters (10 years). Plus, don't forget that you must pay the first $2,140 out-of-pocket.
Like all other Plan F supplements, this policy covers the gaps in your major medical expenses, but it does not pay for prescriptions, hearing, vision, dental and other healthcare needs not covered by Original Medicare.
The chart below explains how this plan covers the portions of Medicare Part A (hospital insurance) that are not paid by Medicare.
The following table details how the plan covers the portions of Medicare Part B (medical insurance) that are not paid by Medicare.
Prescription Drug Coverage
The 10 standardized Medicare Supplements do not cover prescriptions. Add a Medicare Part D Plan (PDP) for prescription coverage. Here are a few plans available to you in Arizona:
|Cigna-HealthSpring Rx Secure (PDP)||$31.40||$405.00|
|First Health Part D Value Plus (PDP)||$56.20||$0.00|
|AARP MedicareRx Saver Plus (PDP)||$62.50||$405.00|
|SilverScript Plus (PDP)||$74.00||$0.00|
|Blue MedicareRx Value (PDP)||$31.80||$405.00|
|Magellan Rx Medicare Basic (PDP)||$31.70||$405.00|
|Express Scripts Medicare - Value (PDP)||$30.00||$405.00|
|Humana Preferred Rx Plan (PDP)||$31.50||$405.00|
|Express Scripts Medicare - Value (PDP)||$31.50||$400.00|
Foreign Travel Coverage
Medicare does not pay for your healthcare (including emergencies) when you travel outside of the United States of America and its territories. If you travel, be sure to enroll in a plan that will cover you at the level you need.
|Foreign Travel Emergency:|
Pekin Life Insurance Co Insurance Rating
Pekin Life Insurance Co has a Excellent rating from A.M. Best Company, the #1 source for insurance industry rating information. If this was a star rating it would be 4.5 out of 5 stars (Excellent). Use this information as a measure of the financial stability of the insurance carrier when considering Pekin Life Medicare Supplement High Deductible Plan F.
Pekin Life Medicare Supplement High Deductible Plan F is available to all Arizona Medicare beneficiaries, ages 65 and older, enrolled in Medicare Part B. If you are just turning age 65, you have guaranteed issue rights and cannot be turned down. Plus, this insurance policy cannot be canceled. It will continue to be renewed as long as you pay the premiums on time and make no material misrepresentations.
Medicare Supplement insurance is available from Pekin Life Insurance Co in Scottsdale, Phoenix, Peoria, Surprise, Mesa, Tucson, Tempe, Yuma, Avondale, Buckeye, Chandler, Goodyear, Gilbert, Lake Havasu City, Flagstaff, Bullhead City, and most other Arizona cities and locations.
Tips and Disclaimers
The Medicare Supplement plan data on MedicareWire.com comes directly from Medicare.gov and private sources and is subject to change. The Centers for Medicare and Medicaid Services, the Arizona State Insurance Commission, and Pekin Life Insurance Co has neither reviewed nor endorsed the information on this site.
The benefit information provided on this page is a brief summary only, not a complete description. Limitations and restrictions may apply. For more information contact the insurance carrier directly at http://www.pekininsurance.com.
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This Medicare Supplement insurance information is maintained by David Bynon and was last updated on .
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