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Get Affordable Medicare
Get Affordable Medicare
Physicians Select Insurance Company, a member of the Physicians Mutual
family, provides Medicare Supplement insurance.
Understanding Medicare isn’t easy — and it’s important to have the
information you need to make the best decision for your retirement.
Whether you’re new to Medicare or looking to change coverage, we’re here to
help give you expert guidance so you can make the best decision for you.
Protection for your health and your budget
Did you know not all Medicare Supplement plans are the
same? It’s true! Here’s why we’re different:
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Innovative Plan G — save with a lower premium when you take
a deductible for the first three calendar years1
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Option to switch to another plan once in the first two years
— with no health questions2
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Our optional rider, Preventive Benefits Plus, comes with the
Silver&Fit® program for less than $10 a month3
1. This Innovative Discount Rider works hand-in-hand with our Plan G. Your
deductible automatically goes away January 1 following your third calendar
year. If you drop the Innovative Discount Rider before year three, your
premium amount becomes the Plan G premium amount.
Plan: Plan G
Best if: You want broad coverage , but don't mind paying the Part B Deductible .
Best if: You're on a fixed income and like to budget your expenses. With Plan G, you can plan ahead knowing all you have to pay is your premium and Part B annual deductible for Medicare-approved charges.
*Amounts not paid by Medicare
Plan: Innovative Plan G
Best if: You expect minimal medical costs in the next 3 years, but want more coverage in the future .
Best if: You want a lower premium and are willing to pay a higher deductible for the first three years. After three years, your deductible goes away and your premiums remain lower. This plan is designed to pay more benefits later — when you're older and more likely to need health care.
Plan G with the Innovative Discount Rider, you must meet an annual Plan Deductible before the plan pays anything (except preventive benefits) each year. This deductible automatically goes away January 1, following your third calendar year in which your policy is in force. If you drop the Innovative Discount Rider before year three your premium amount becomes the Plan G premium amount.
*Amounts not paid by Medicare
Plan: Plan G with Deductible Discount Rider
Best if: You expect minimal medical costs in the next 3 years, but want more coverage in the future .
Best if: You want a lower premium and are willing to pay a higher deductible for the first three years. After three years, your deductible goes away and your premiums remain lower. This plan is designed to pay more benefits later — when you're older and more likely to need health care.
Plan G with the Innovative Discount Rider, you must meet an annual Plan Deductible before the plan pays anything (except preventive benefits) each year. This deductible automatically goes away January 1, following your third calendar year in which your policy is in force. If you drop the Innovative Discount Rider before year three your premium amount becomes the Plan G premium amount.
*Amounts not paid by Medicare
Plan: High Deductible Plan G
Best if: You want low premiums in exchange for a yearly plan deductible .
Best if: You don't mind having a higher deductible. You would pay lower premiums for the life of the policy as long as you can afford a high deductible.
High Deductible Plan G pays the same benefits as Plan G after you have paid a calendar year $2,800 deductible (except preventive benefits). Benefits will not begin until your out-of-pocket expenses are $2,800. This is for the plan deductible in 2024. 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.
*Amounts not paid by Medicare
Plan: Plan F
Best if: You want the most coverage to help lower your out-of-pocket costs on medical bills.
Best if: You don't mind paying a higher premium in exchange for getting the most coverage to help lower your out-of-pocket costs on medical bills.
*Amounts not paid by Medicare
Plan: Innovative Plan F
Best if: You're not worried about medical costs today, but want more coverage in the future .
Best if: You want lower premiums and are okay with paying a higher deductible for the first three years. After that, your deductible goes away and your premiums remain lower. You also don't have to pay the Part B deductible.
With Plan F with the Innovative Discount Rider, you must meet an annual Plan Deductible before the plan pays anything (except preventive benefits) each year. This deductible automatically goes away January 1, following your third calendar year in which your policy is in force.
*Amounts not paid by Medicare
Plan: Plan F with Deductible Discount Rider
Best if: You're not worried about medical costs today, but want more coverage in the future .
Best if: You want lower premiums and are okay with paying a higher deductible for the first three years. After that, your deductible goes away and your premiums remain lower. You also don't have to pay the Part B deductible.
With Plan F with the Innovative Discount Rider, you must meet an annual Plan Deductible before the plan pays anything (except preventive benefits) each year. This deductible automatically goes away January 1, following your third calendar year in which your policy is in force.
*Amounts not paid by Medicare
Plan: High Deductible Plan F
Best if: You want low premiums in exchange for a yearly plan deductible .
Best if: You don't mind having a higher deductible. You would pay lower premiums for the life of the policy as long as you can afford a high deductible.
High Deductible Plan F with $2,800 Deductible pays the same benefits as Plan F after you have paid a calendar year $2,800 deductible. Benefits will not begin until your out-of-pocket expenses are $2,800. This is for the plan deductible in 2024. 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.
*Amounts not paid by Medicare
Plan: Plan A
Best if: You only want basic benefits and can afford to pay more medical bills .
Best if: You don't go to the doctor often — only needing basic benefits and can afford to pay more medical bills.
Plan: Plan B
Best if: You only want basic benefits and can afford to pay more medical bills .
Best if: You only want basic benefits and can afford to pay more medical bills.
Plan: Plan N
Best if: You want lower premiums in exchange for co-pays.
Best if: You want lower premiums in exchange for co-pays.
1. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that do not result in an inpatient admission. Co-payment amount may increase each year.
Plan: Classic Comprehensive Plan L537
Best if: You want the most coverage to help lower your out-of-pocket costs on medical bills.
Best if: You’re on a fixed income and like to budget your expenses. With the Classic Comprehensive Plan, you can plan ahead knowing all you have to pay is your premium.
Plan: Classic Innovative Plan L537/F011
Best if: You expect minimal medical costs in the next 3 years, but want more coverage in the future .
Best if: You want a lower premium and are willing to pay a higher deductible for the first three years. After three years, your deductible goes away and your premiums remain lower. This plan is designed to pay more benefits later — when you’re older and more likely to need health care.
Plan: Classic High Deductible Plan L539
Best if: You want low premiums in exchange for a yearly plan deductible .
Best if: You don’t mind having a higher deductible. You would pay lower premiums for the life of the policy as long as you can afford a high deductible.
Plan: Premier Comprehensive Plan L538
Best if: You want broad coverage , but don’t mind paying the Part B deductible .
Best if: You don’t mind paying a higher premium in exchange for getting the most coverage to help lower your out-of-pocket costs on medical bills.
Plan: Premier Innovative Plan L538/F012
Best if: You’re not worried about medical costs today, but want more coverage in the future .
Best if: You want lower premiums and are okay with paying a higher deductible for the first three years. After that, your deductible goes away and your premiums remain lower.
Plan: Premier High Deductible Plan L536
Best if: You want low premiums in exchange for a yearly plan deductible .
Best if: You don’t mind having a higher deductible or paying the Part B annual deductible. You would pay lower premiums for the life of the policy as long as you can afford a high deductible.
Plan: Basic Plan L535
Best if: You only want basic benefits and can afford to pay more medical bills .
Best if: You don’t go to the doctor often — only needing basic benefits and can afford to pay more medical bills.
Plan: Basic Plan S040
Best if: You don’t go to the doctor often — only needing basic benefits and can afford to pay more medical bills.
Best if: You don’t go to the doctor often — only needing basic benefits and can afford to pay more medical bills.
*Home health care benefits payable up to usual and customary charge amounts. Additional amounts are patient responsibility. This policy will pay for the usual and customary cost of medically necessary chiropractic services received from a chiropractor which are not payable under Medicare.
Plan: Premier High Deductible Plan S041
Best if: You want low premiums in exchange for a higher yearly plan deductible.
Best if: You don’t mind having a higher deductible or paying the Part B annual deductible. You would pay lower premiums for the life of the policy as long as you can afford a high deductible.
With the Premier High Deductible Plan, you must meet an annual plan deductible of $2,800 each year, before the plan pays anything, for the life of the policy. Preventive care benefits are payable with no deductible requirement.
*Home health care benefits payable up to usual and customary charge amounts. Additional amounts are patient responsibility. This policy will pay for the usual and customary cost of medically necessary chiropractic services received from a chiropractor which are not payable under Medicare.
Plan: Premier Comprehensive Plan S042
Best if: You don’t mind paying a higher premium in exchange for getting the most coverage.
Best if: You don’t mind paying a higher premium in exchange for getting the most coverage to help lower your out-of-pocket costs on medical bills.
*Home health care benefits payable up to usual and customary charge amounts. Additional amounts are patient responsibility. This policy will pay for the usual and customary cost of medically necessary chiropractic services received from a chiropractor which are not payable under Medicare.
Plan: Premier Innovative Plan S042/F021
Best if: You want lower premiums and are okay with paying a higher deductible for the first three years.
Best if: You want lower premiums and are okay with paying a higher deductible for the first three years. After that, your deductible goes away and your premiums remain lower.
With the Premier Innovative Plan, you must meet an annual plan deductible of $2,800 each year before the plan pays anything. This deductible goes away January 1, following the end of the third calendar year in which your policy is in force. Preventive care benefits are payable with no deductible requirement.
*Home health care benefits payable up to usual and customary charge amounts. Additional amounts are patient responsibility. This policy will pay for the usual and customary cost of medically necessary chiropractic services received from a chiropractor which are not payable under Medicare
Part A
Part A initial hospital deductible (each benefit period)
Daily rate for days 61-90 in a hospital
Hospital: Daily rate for days 91-150 (lifetime reserve)
First 3 pints of blood each year
100% of eligible expenses for 365 additional days after Medicare benefits end
Daily rate for days 21-100 in a skilled nursing facility
Hospice care coinsurance
Part B
Part B annual deductible
Part B coinsurance — percentage of Medicare-approved amount (after Part B deductible)
100% of Medicare Part B excess charges
Home health care visits (first 40 visits beyond Medicare Benefits)*
Additional home heath care visits (extends visits to 365)*
Foreign travel — coverage when traveling outside the USA
Covered Preventive Care*
