Loyal American Medicare Supplement Plan D for Michigan helps beneficiaries fill in the gaps in their Original Medicare coverage. Plan D is the midpoint between the least and most comprehensive Medicare Supplements. It covers many of the out-of-pocket costs associated with Original Medicare, but does not cover your Part B deductible or Part B excess charges.
A Plan D policy offers the following standard set of benefits:
- Medicare Part A hospital and coinsurance costs up to 365 days after Original Medicare benefits are used up
- Medicare Part A deductible
- Medicare Part A hospice care coinsurance and co-payments
- Medicare Part B coinsurance or co-payments
- First three pints of blood used in a medical procedure
- Skilled Nursing Facility (SNF) care coinsurance
- Foreign travel emergency care
NOTE: Medicare Supplement Plan D is not the same as Medicare Part D. This is medical insurance that supplements your Medicare Part A and Part B coverage. Medicare Part D is prescription drug coverage.
Coverage and Costs
Loyal American Life Insurance Co is allowed to establish its premiums based on three different rating systems: community-rated, issue-age-rated, and attained-age-rated. So, although the Plan D policy must offer the same standard set of benefits, the monthly premium may vary. Some insurance companies may offer premiums that do not go up as you age while others do. That's why it is so important to shop all plans in your area.
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 Michigan:
|Symphonix Value Rx (PDP)||$31.00||$400.00|
|Aetna Medicare Rx Saver (PDP)||$31.20||$245.00|
|Humana Enhanced (PDP)||$60.80||$0.00|
|SilverScript Plus (PDP)||$66.50||$0.00|
|AARP MedicareRx Walgreens (PDP)||$26.70||$405.00|
|AARP MedicareRx Preferred (PDP)||$60.10||$0.00|
|Aetna Medicare Rx Saver (PDP)||$33.50||$350.00|
|AARP MedicareRx Preferred (PDP)||$72.60||$0.00|
|Humana Enhanced (PDP)||$72.50||$0.00|
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:|
Loyal American Life Insurance Co Insurance Rating
Loyal American 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 Loyal American Medicare Supplement Plan D.
Loyal American Medicare Supplement Plan D is available to all Michigan 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 Loyal American Life Insurance Co in Detroit, Warren, Dearborn, Grand Rapids, Flint, Lansing, Sterling Heights, Ann Arbor, Livonia, Dearborn, Clinton, Westland, Kalamazoo, Southfield, Troy, Pontiac, Taylor, Saginaw, Saint Clair Shores, Waterford, Royal Oak, Wyoming, Dearborn Heights, and most other Michigan 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 Michigan State Insurance Commission, and Loyal American 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.loyalamerican.com.
The MedicareWire.com website is available for educational purposes. Our goal is to present information accurately and without bias, based on our interpretation of factual information. However, this site is not intended as a substitute for legal, health, or financial advice from a licensed professional. On this page we help comsumers:
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This Medicare Supplement insurance information is maintained by David Bynon and was last updated on .
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