American Republic Corp Medicare Supplement Plan L for Arizona provides supplemental coverage to your Original Medicare. Due to its higher degree of cost-sharing, Plan L premiums are generally less than Plan F.
This Medicare Supplement is a good alternative to consider if you can afford the up-front deductibles ($2,470 out-of-pocket limit plus Part B deductible). Plan L covers the basic benefits required of all Medicare Supplements, but may not cover 100% of each costs.
A Plan L policy covers 100% of the costs of:
- Medicare Part A coinsurance and hospital costs up to 365 days after Original Medicare benefits are exhausted
- Medicare Part B preventive care coinsurance
Plan L covers 75% of these costs:
- Medicare Part A hospice care coinsurance or co-payment
- Medicare Part A deductible
- Medicare Part B coinsurance or co-payment
- First three pints of blood used in a medical procedure
- Skilled Nursing Facility (SNF) care coinsurance
Coverage and Costs
This Plan L from American Republic Insurance may include premiums, deductibles, coinsurance, and co-payments. Because Plan L has a higher level of cost-sharing than other Medigap plans, beneficiaries are responsible for more than a monthly plan premium. The trade-off is that premiums are generally lower.
Unlike most supplements, Plan L policies protect you with a $2,470 annual out-of-pocket limit. The trade-off is that Plan L includes more cost-sharing than other plans. However, after you reach the limit and pay your Medicare Part B deductible, the insurance pays 100% of all costs for the remainder of the year.
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:
|Humana Enhanced (PDP)||$75.50||$0.00|
|AARP MedicareRx Saver Plus (PDP)||$50.00||$400.00|
|Symphonix Value Rx (PDP)||$21.70||$400.00|
|Express Scripts Medicare - Value (PDP)||$30.00||$405.00|
|Aetna Medicare Rx Saver (PDP)||$32.80||$350.00|
|SilverScript Choice (PDP)||$29.70||$0.00|
|SilverScript Plus (PDP)||$75.90||$0.00|
|Express Scripts Medicare - Choice (PDP)||$84.40||$350.00|
|Humana Walmart Rx Plan (PDP)||$17.00||$400.00|
|Blue MedicareRx Enhanced (PDP)||$96.90||$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:|
American Republic Insurance Insurance Rating
American Republic Insurance 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 American Republic Corp Medicare Supplement Plan L.
American Republic Corp Medicare Supplement Plan L 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 American Republic Insurance 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 American Republic Insurance 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.americanrepublic.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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