What You Need to Know About Medicare Supplement Plan J

Often referred to as Medigap Supplement Plan J, Medicare Supplement Plan J covers certain costs that are not covered by the basic Medicare. Unfortunately, Plan J is no longer available. However, the plan remains in force for those individuals who were admitted to it as at June 1 2010. In addition, there is a separate annual deductible of $ 250.

What does Plan J cover?

Like all Medicare Advantage or Medigap insurance plans, Plan J covers certain gaps in Medicare Part A and B coverage. This includes the following:

  • Recovery at home
  • Care through qualified care facilities
  • Emergency care for overseas travel
  • Exceess Part B Fees / costs
  • Medicare Co-Insurance (Part B)
  • Part A and B deductibles
  • Up to $120 in preventive care that Medicare does not cover

What the plan does not cover:  Get a quote at https://www.bestmedicaresupplementplans2019.com/

Unfortunately, there are certain health problems that are not covered by Plan J (according to the Centers for Medicare and Medicaid Services); they include the following:

  • Dental care
  • glasses
  • hearing aids
  • Long-term care in nursing home
  • nursing care
  • Eye Care

The bottom line is the eradication of Plan J was as a result of the need to modernize the entire Medicare insurance infrastructure.

Elimination by default:

It was often said that Plan J was simply taken out of the program because there were two advantages similar to those of Plan F. Plan F was often considered the most comprehensive of all MA / Medigap plans. The two specific benefits that distinguish Plan J from Plan F are home recovery and preventative care. The Centers for Medicare & Medicaid Services have canceled these two coverages for lack of use. Therefore Plan J was eliminated because of this duplication.

Further considerations:

It is important to note that existing Plan J policyholders who are not affected by the above conditions are subject to a so-called “closed block of business”, which means that after the expiration date of June 1, no new contracts will be offered. There is considerable speculation that tariffs for Plan J coverage will increase as a result of the factors mentioned above. Although this makes sense for some, the impact on current policyholders remains to be seen. It’s a good idea for anyone who has Plan J to evaluate the current available Medigap plans and compare the benefits and rewards with what they are currently paying. You may be surprised to learn that you can save money and get similar benefit as Plan J.

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