Medicare Supplement Plans

Amid all the distractions and confusion about what works and what doesn’t when it comes to health care for seniors, TRH Health Plans is tried and true. And more than 55,000 Tennesseans 65 years and older have a TRH Medicare Supplement plan. Only you know which Medicare Supplement plan will best suit your lifestyle and your budget. That's why TRH offers 10 federally approved Medicare Supplement plans. Every year the federal government makes changes in Medicare deductibles and coinsurance. We revise our coverage to meet Medicare's yearly changes.

Medicare Supplement Brochure

Part A and B Deductible and Daily Coinsurance Amounts for 2010

Which TRH Medicare Supplement plan is right for you?

TRH offers 10 federally approved Medicare Supplement plans. However, the most popular plans are Plan C, Plan F, and Plan J. All plans must include coverage for basic benefits.


Basic benefits are:

 

• Hospitalization - Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.
• Medical Expenses - Part B coinsurance (20 percent of Medicare approved expenses).
• Blood - First three pints of blood each year.

Plan A provides basic benefits coverage only. It includes no coverage for any other services. It is designed for those who feel financially able to handle both Part A and Part B deductibles plus virtually all other hospital and medical expenses above what Medicare pays.

Plans B through J add coverage for the Part A hospital deductible.

Plans C through J include coverage for skilled nursing coinsurance (up to the daily coinsurance amount for days 21 through 100 of care) and a $50,000 lifetime maximum benefit for medically necessary emergency care when traveling outside of the United States.

The Part B deductible for medical expenses is covered under Plans C, F and J.

Coverage for Part B excess charges (the difference between the Medicare-approved amount and the provider's actual charges) is included in Plans F, G, I, and J. Plan G pays 80 percent of excess charges. Plans F, I and J pay 100 percent of excess charges.

At-home recovery services (short-term, at-home assistance with daily living activities such as bathing, dressing, personal hygiene, etc.) are part of Plans D, G, I and J up to $1,600 per year.

Coverage for preventive care services is included in Plans E and J. With these plans, preventive care services, such as physicals, cholesterol screenings, hearing tests and diabetes screenings are paid up to $120 per year.

Guaranteed Renewable - As long as you make premium payments on time, do not file claims with false or misleading information, and maintain your annual membership dues, you'll have the security of TRH Medicare Supplement coverage as long as you want it.

Money Back Guarantee - If you are not 100 percent satisfied with your TRH Medicare supplement plan, return the certificate to us within 30 days after you receive it and we will refund any payments you have made (less any benefits provided) with no questions asked.

Call your local TRH Representative today or Contact Us.