Physicians Mutual Insurance Company
a member of the Physicians Mutual family

Physicians Mutual Insurance Company®
a member of the Physicians Mutual family

Get Your Medicare Supplement Quote Now

Medicare was never meant to cover all your health care costs … and no one wants to spend retirement worrying about medical bills. That's where Physicians Mutual can help. Our Medicare Supplement plans pay in addition to your Medicare benefits so you can use your savings for retirement, not medical bills.

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To help determine the amount and type of coverage you need, there are a few questions to think about:

  • How often do you go to the doctor or hospital?
  • Is it worth it to you to have a higher deductible in exchange for lower premiums?
  • Would you prefer a plan with a higher premium, but offers more coverage?

Use the chart below to determine the plan that best meets your needs:

Our Most Popular Plans

High Deductible Plan F*

with $2,300 Deductible in 2019

Plan A

Plan F

Plan G

Part A Hospital Expenses for 2019

$1,364 Part A initial hospital deductible (each benefit period) 0% 100% 100% 100%
$341 per day for days 61-90 in a hospital 100% 100% 100% 100%
Hosptial: $682 per day for days 91-150 (lifetime reserve) 100% 100% 100% 100%
First 3 pints of blood each year 100% 100% 100% 100%
100% of eligible expenses for 365 additional days after Medicare benefits end 100% 100% 100% 100%
$171 per day for days 21-100 in a skilled nursing facility 0% 100% 100% 100%
Hospice care coinsurance 100% 100% 100% 100%

Part B Physician Services and Supplies (Medical Services) for 2019

$185 Part B annual deductible 0% 100% 0% 100%
Part B coinsurance — 20% of Medicare-approved amount (after Part B deductible) 100% 100% 100% 100%
100% of Medicare Part B excess charges 0% 100% 100% 100%
Foreign travel — coverage when traveling outside the USA 0% 80% 80% 80%

Decide Which Plan Works Best for You:

You only want basic benefits and can afford to pay more medical bills You want the most coverage to help lower your out-of-pocket costs on medical bills You want broad coverage, but don't mind paying the annual Part B deductible You're healthy and want low premiums in exchange for a yearly plan deductible

*High Deductible Plan F with $2,300 Deductible pays the same benefits as Plan F after you have paid a calendar year $2,300 deductible. Benefits will not begin until your out-of-pocket expenses are $2,300. This is for the plan deductible in 2019. This amount may increase each year. This includes the Medicare deductibles for Part A and Part B, but does not include the plan's separate foreign travel emergency deductible.

This coverage has limitations.
Medicare Supplement Insurance Policy Form Numbers:
P420PA, P421PA, P425PA, P426PA, P427PA

Need help? Have questions? We're ready to help!