Plan A covers the four Basic Benefits, which include hospitalization, medical expenses, blood and hospice care. EmblemHealth pays Part B coinsurance* (20 percent of Medicare-approved expenses), Medicare pays 80 percent.

In addition to the four Basic Benefits (which are hospitalization, medical expenses, blood and hospice care), Plan B also provides coverage for the Part A inpatient deductible. This is the amount you pay before Medicare begins to pay for hospitalizations.

Plan C builds on Plan B while also covering coinsurance (which is the percentage you pay for health services) for skilled nursing facility care, Medicare Part B annual deductible, and emergency care used during foreign travel.

Only applicants eligible for Medicare prior to January 1, 2020 may purchase Plan C, Plan F
and High Deductible Plan F

Full coverage on Medicare Part B expenses not covered by Medicare. Plan F covers the same benefits of Plan C while adding 100% coverage of excess charges above what Medicare will pay on Part B.

Only applicants eligible for Medicare prior to January 1, 2020 may purchase Plan C, Plan F
and High Deductible Plan F

This is a high deductible plan that pays the same benefits as Plan F after one has paid a calendar year deductible of $2,340 in 2020. Benefits from the high deductible plan F will not begin until out-of-pocket expenses exceed $2,340 in 2020. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the Medicare deductibles for Part A and Part B, but does not include the plan’s separate foreign travel emergency deductible.

Only applicants eligible for Medicare prior to January 1, 2020 may purchase Plan C, Plan F
and High Deductible Plan F

Plan G is the closest replacement for Plan F.  Plan G covers everything that Plan F covers except for your annual Part B deductible.

This is a high deductible plan that pays the same benefits as Plan G after one has paid a calendar year deductible of $2,340 in 2020. Benefits from the high deductible plan G will not begin until out-of-pocket expenses are $2,340 in 2020. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the Medicare deductible for Part A, but does not include the plan’s separate foreign travel emergency deductible.

Plan N is a comprehensive supplement similar to plan C but without coverage of the Part B Deductible and Part B Excess Charge. It combines some cost-sharing, which most people are already accustomed to, with these lower premiums. It covers 100% of the Medicare Part B coinsurance costs, with the only exception being that it requires a $20 copayment for office visits and up to $50 copayment for emergency room visits.