ZapIndex

Part A Hospital Services	A	B	C	D	F	F-ded	G	G-ded	K	L	M	N
The Part A deductible is $1736 per benefit period A benefit period starts when you are admitted to a facility and ends 60 days after you last received inpatient care at any facilityPart A Deductible ($1736)						$2950 annual deductible applies You pay all Medicare deductibles, copays and coinsurance until you spend $2950 in a calendar year After that coverage is 100% after ded		$2950 annual deductible applies You pay all Medicare deductibles, copays and coinsurance until you spend $2950 in a calendar year After that coverage is 100% after ded
The inpatient deductible is $1736 for each benefit period Days 1-60: Medicare covers 100% Days 61-90: You are responsible for $434 per day Days 91 until 60 day lifetime reserve is used up: Your responsibility is $868 per day Beyond lifetime reserve: You are responsible for all costs incurred Hospital Coinsurance						$2950 annual deductible applies You pay all Medicare deductibles, copays and coinsurance until you spend $2950 in a calendar year After that coverage is 100% after ded		$2950 annual deductible applies You pay all Medicare deductibles, copays and coinsurance until you spend $2950 in a calendar year After that coverage is 100% after ded	Plan covers 50% of your out of pocket expenses Your share is capped at $5120 per year50%	Plan covers 75% of your out of pocket expenses Your share is capped at $2560 per year75%	Plan covers 50% Part A deductible50%
Covers 365 Additional inpatient days after lifetime reserve has been used up365 days extra Hospital coverage
Skilled nursing facility coinsurance						$2950 annual deductible applies You pay all Medicare deductibles, copays and coinsurance until you spend $2950 in a calendar year After that coverage is 100% after ded		$2950 annual deductible applies You pay all Medicare deductibles, copays and coinsurance until you spend $2950 in a calendar year After that coverage is 100% after ded	Plan covers 50% of your out of pocket expenses Your share is capped at $5120 per year50%	Plan covers 75% of your out of pocket expenses Your share is capped at $2560 per year75%
3 Pints of (unreplaced) blood						$2950 annual deductible applies You pay all Medicare deductibles, copays and coinsurance until you spend $2950 in a calendar year After that coverage is 100% after ded		$2950 annual deductible applies You pay all Medicare deductibles, copays and coinsurance until you spend $2950 in a calendar year After that coverage is 100% after ded	Plan covers 50% of your out of pocket expenses Your share is capped at $5120 per year50%	Plan covers 75% of your out of pocket expenses Your share is capped at $2560 per year75%
Part B Services	A	B	C	D	F	F-ded	G	G-ded	K	L	M	N
Part B Deductible ($283)
Medicare covers 80% of Part B claims, you are responsible for 20%Part B Coinsurance						$2950 annual deductible applies You pay all Medicare deductibles, copays and coinsurance until you spend $2950 in a calendar year After that coverage is 100% after ded		$2950 annual deductible applies You pay all Medicare deductibles, copays and coinsurance until you spend $2950 in a calendar year After that coverage is 100% after ded	Plan covers 50% of your out of pocket expenses Your share is capped at $5120 per year50%	Plan covers 75% of your out of pocket expenses Your share is capped at $2560 per year75%		You pay $20 for Dr. office visits You pay $50 for emergency room visits$20/$50
Doctors who do not take Medicare Assignment can charge 15% above what medicare allows Some Medicare Supplement plans cover that extra 15%Part B Excess Charges
Additional Features	A	B	C	D	F	F-ded	G	G-ded	K	L	M	N
Out of Pocket Limit	NA	NA	NA	NA	NA	NA	NA	NA	$5120	$2560	NA	NA
Hospice coverage						$2950 annual deductible applies You pay all Medicare deductibles, copays and coinsurance until you spend $2950 in a calendar year After that coverage is 100% after ded		$2950 annual deductible applies You pay all Medicare deductibles, copays and coinsurance until you spend $2950 in a calendar year After that coverage is 100% after ded	Plan covers 50% of your out of pocket expenses Your share is capped at $5120 per year50%	Plan covers 75% of your out of pocket expenses Your share is capped at $2560 per year75%
Foreign Travel Emergency
Monthly Rates & Brochures	A	B	C	D	F	F-ded	G	G-ded	K	L	M	N
Aflac eff 7/1/2025HH	292.52				335.97		295.47					221.65
Anthem eff 3/1/2026 CKHH	238.09				S: 447.93 I: Additional benefits included with Anthem Innovative plan rider Vision Benefits Routine eye exam In network: No Charge Out of network: $35 Allowance Eyeglass Frames In network: $100 allowance Out of network: $45 Allowance Eyeglass Lenses Single vision - In network:100% coverage after $25 copay Out of network:$25 benefit after $25 copay Bifocal - In network:100% coverage after $25 copay Out of network:$40 benefit after $25 copay Trifocal or Lenticular - In network:100% coverage after $25 copay Out of network:$55 benefit after $25 copay Contact Lenses In network: $100 allowance Out of network: $80 Allowance Hearing Benefits Coverage through Hearing Care Solutions Hearing exam: 100% coverage Hearing aids: Coverage allowance up to $750 per year Other Innovative Plan Benefits Nurse help line: Speak with a Registered nurse about health related questions Other Benefits (included with both Standard and Innovative Plans) SilverSneakers gym membership See page 21 or 22 in Anthem brochure for details 453.53		338.99					371.48
Anthem to 2/28/2026 CKHH	238.09				S: 413.61 I: Additional benefits included with Anthem Innovative plan rider Vision Benefits Routine eye exam In network: No Charge Out of network: $35 Allowance Eyeglass Frames In network: $100 allowance Out of network: $45 Allowance Eyeglass Lenses Single vision - In network:100% coverage after $25 copay Out of network:$25 benefit after $25 copay Bifocal - In network:100% coverage after $25 copay Out of network:$40 benefit after $25 copay Trifocal or Lenticular - In network:100% coverage after $25 copay Out of network:$55 benefit after $25 copay Contact Lenses In network: $100 allowance Out of network: $80 Allowance Hearing Benefits Coverage through Hearing Care Solutions Hearing exam: 100% coverage Hearing aids: Coverage allowance up to $750 per year Other Innovative Plan Benefits Nurse help line: Speak with a Registered nurse about health related questions Other Benefits (included with both Standard and Innovative Plans) SilverSneakers gym membership See page 21 or 22 in Anthem brochure for details 406.39		296.06					324.44
Blue Shield CKHH	228.00				About Blue Shield Plan F Blue Shield no longer sells Standard plan F This quote refelects the rate for Plan F Extra Plan F Extra includes all Plan F Standard benefits plus additional "Extra" benefits About Blue Shield Plan F Extra rider Basic gym access through sliver sneakers fitness program (silversneakers.com) Personal Emergency Benefit provides access to help 24/7, at the push of a button The vision benefit includes coverage for exams, frames and lenses Hearing aid benefit includes an annual hearing aid test and coverage for Vista brand mid-level and premium-level hearing aids for a low copay 391.00		S: 333.00 Extra Rider Basic gym access through sliver sneakers fitness program (silversneakers.com) Personal emergency response system Physician consultation by phone or video through Teladoc Over the counter items through CVS (Up to $100 one time use per quarter allowance) The vision benefit includes coverage for exams, frames and lenses ($100 frame allowance) Hearing aid benefit includes an annual hearing aid test and coverage for Vista brand mid-level and premium-level hearing aids for a low copay Acupuncture and chiropractic, up to 20 combined visits per calendar year Identity theft protection E: 350.00					299
HealthSpring HH	277.33				383.13		301.44	109.69				244.55
Continental (Aetna) eff 9/1/2025 HH	289.97	342.86			479.89	100.63	401.76					309.38
Health Net to 2/28/2026	243.00			313.00	S: 345.00 Additional benefits included with Health Net Innovative plan rider Vision Benefits Routine Eye Exam (In network) - One vision exam every 12 months - $10 Copayment Routine Eye Exam (Out of network) - One vision exam every 12 months - $45 Allowance Frame & Lens Package - available from provider only (Once every 24 Months) - Up to $250 allowance Contact Lenses (includes materials only - once every 24 months) - Up to $250 allowance Medically necessary contact Lenses - Up to $250 allowance Hearing Benefits Routine Hearing Exam - One hearing exam every 12 months Hearing Aid(s) - all sizes and styles offered by Hearing Care Solutions Level 4 - You pay $1580 Level 3 - You pay $1125 Level 2 - You pay $700 Level 1 - You pay $0 See page 44 in Health Net brochure for detailsI: 352.00	143.00	S: 308.00 Additional benefits included with Health Net Innovative plan rider Vision Benefits Routine Eye Exam (In network) - One vision exam every 12 months - $10 Copayment Routine Eye Exam (Out of network) - One vision exam every 12 months - $45 Allowance Frame & Lens Package - available from provider only (Once every 24 Months) - Up to $250 allowance Contact Lenses (includes materials only - once every 24 months) - Up to $250 allowance Medically necessary contact Lenses - Up to $250 allowance Hearing Benefits Routine Hearing Exam - One hearing exam every 12 months Hearing Aid(s) - all sizes and styles offered by Hearing Care Solutions Level 4 - You pay $1580 Level 3 - You pay $1125 Level 2 - You pay $700 Level 1 - You pay $0 See page 44 in Health Net brochure for detailsI: 313.00	137.00				270.00
Health Net eff 3/1/2025	264.00			341.00	S: 376.00 Additional benefits included with Health Net Innovative plan rider Vision Benefits Routine Eye Exam (In network) - One vision exam every 12 months - $10 Copayment Routine Eye Exam (Out of network) - One vision exam every 12 months - $45 Allowance Frame & Lens Package - available from provider only (Once every 24 Months) - Up to $250 allowance Contact Lenses (includes materials only - once every 24 months) - Up to $250 allowance Medically necessary contact Lenses - Up to $250 allowance Hearing Benefits Routine Hearing Exam - One hearing exam every 12 months Hearing Aid(s) - all sizes and styles offered by Hearing Care Solutions Level 4 - You pay $1580 Level 3 - You pay $1125 Level 2 - You pay $700 Level 1 - You pay $0 See page 44 in Health Net brochure for detailsI: 383.00	155.00	S: 335.00 Additional benefits included with Health Net Innovative plan rider Vision Benefits Routine Eye Exam (In network) - One vision exam every 12 months - $10 Copayment Routine Eye Exam (Out of network) - One vision exam every 12 months - $45 Allowance Frame & Lens Package - available from provider only (Once every 24 Months) - Up to $250 allowance Contact Lenses (includes materials only - once every 24 months) - Up to $250 allowance Medically necessary contact Lenses - Up to $250 allowance Hearing Benefits Routine Hearing Exam - One hearing exam every 12 months Hearing Aid(s) - all sizes and styles offered by Hearing Care Solutions Level 4 - You pay $1580 Level 3 - You pay $1125 Level 2 - You pay $700 Level 1 - You pay $0 See page 44 in Health Net brochure for detailsI: 341.00	149.00				294.00
Humana	381.17	414.67	506.54			129.25	445.65	116.13	206.53	298.39		329.12
Humana Achieve renewal onlyCKHH	283.91				349.06		306.23	87.55				216.67
United American to 4/30/2026	213.00	312.00	430.00	389.00	456.00	98.00	380.00	98.00	180.00	254.00		323.00
United American eff 5/1/2026	213.00	340.00	469.00	424.00	524.00	113.00	437.00	113.00	196.00	277.00		371.00
UHC to 5/31/2026 CKHH	223.49	312.08	376.47		378.35		295.40			207.27		250.51
UHC eff 6/1/2026 CKHH	261.09	364.72	439.69		442.04		345.22			242.29		292.81
United World Life CKHH	272.74				485.69		396.70	88.55				256.50
Choosing a Medigap Policy
Continental: Add $20 application fee.

Part A Hospital Services

F-ded

G-ded

The Part A deductible is $1736 per benefit period

A benefit period starts when you are admitted to a facility
and ends 60 days after you last received inpatient care at any facilityPart A Deductible ($1736)

$2950 annual deductible applies

You pay all Medicare deductibles, copays and coinsurance until you spend $2950 in a calendar year

After that coverage is 100%

after
ded

$2950 annual deductible applies

You pay all Medicare deductibles, copays and coinsurance until you spend $2950 in a calendar year

After that coverage is 100%

after
ded

The inpatient deductible is $1736 for each benefit period
Days 1-60: Medicare covers 100%
Days 61-90: You are responsible for $434 per day
Days 91 until 60 day lifetime reserve is used up: Your responsibility is $868 per day
Beyond lifetime reserve: You are responsible for all costs incurred

Hospital Coinsurance

$2950 annual deductible applies

You pay all Medicare deductibles, copays and coinsurance until you spend $2950 in a calendar year

After that coverage is 100%

after
ded

$2950 annual deductible applies

You pay all Medicare deductibles, copays and coinsurance until you spend $2950 in a calendar year

After that coverage is 100%

after
ded

Plan covers 50% of your out of pocket expenses

Your share is capped at $5120 per year50%

Plan covers 75% of your out of pocket expenses

Your share is capped at $2560 per year75%

Plan covers 50% Part A deductible50%

Covers 365 Additional inpatient days after lifetime reserve has been used up365 days extra Hospital coverage

Skilled nursing facility coinsurance

$2950 annual deductible applies

You pay all Medicare deductibles, copays and coinsurance until you spend $2950 in a calendar year

After that coverage is 100%

after
ded

$2950 annual deductible applies

You pay all Medicare deductibles, copays and coinsurance until you spend $2950 in a calendar year

After that coverage is 100%

after
ded

Plan covers 50% of your out of pocket expenses

Your share is capped at $5120 per year50%

Plan covers 75% of your out of pocket expenses

Your share is capped at $2560 per year75%

3 Pints of (unreplaced) blood

$2950 annual deductible applies

You pay all Medicare deductibles, copays and coinsurance until you spend $2950 in a calendar year

After that coverage is 100%

after
ded

$2950 annual deductible applies

You pay all Medicare deductibles, copays and coinsurance until you spend $2950 in a calendar year

After that coverage is 100%

after
ded

Plan covers 50% of your out of pocket expenses

Your share is capped at $5120 per year50%

Plan covers 75% of your out of pocket expenses

Your share is capped at $2560 per year75%

Part B Services

F-ded

G-ded

Part B Deductible ($283)

Medicare covers 80% of Part B claims, you are responsible for 20%Part B Coinsurance

$2950 annual deductible applies

You pay all Medicare deductibles, copays and coinsurance until you spend $2950 in a calendar year

After that coverage is 100%

after
ded

$2950 annual deductible applies

You pay all Medicare deductibles, copays and coinsurance until you spend $2950 in a calendar year

After that coverage is 100%

after
ded

Plan covers 50% of your out of pocket expenses

Your share is capped at $5120 per year50%

Plan covers 75% of your out of pocket expenses

Your share is capped at $2560 per year75%

You pay $20 for Dr. office visits

You pay $50 for emergency room visits$20/$50

Doctors who do not take Medicare Assignment can charge 15% above what medicare allows

Some Medicare Supplement plans cover that extra 15%Part B Excess Charges

Additional Features

F-ded

G-ded

Out of Pocket Limit

$5120

$2560

Hospice coverage

$2950 annual deductible applies

You pay all Medicare deductibles, copays and coinsurance until you spend $2950 in a calendar year

After that coverage is 100%

after
ded

$2950 annual deductible applies

You pay all Medicare deductibles, copays and coinsurance until you spend $2950 in a calendar year

After that coverage is 100%

after
ded

Plan covers 50% of your out of pocket expenses

Your share is capped at $5120 per year50%

Plan covers 75% of your out of pocket expenses

Your share is capped at $2560 per year75%

Foreign Travel Emergency

Monthly Rates & Brochures

F-ded

G-ded

Aflac eff 7/1/2025HH

292.52

335.97

295.47

221.65

Anthem eff 3/1/2026 Includes gym membership

CKHH

238.09

S: 447.93
I: Additional benefits included with Anthem Innovative plan rider

Vision Benefits
Routine eye exam In network: No Charge Out of network: $35 Allowance
Eyeglass Frames In network: $100 allowance Out of network: $45 Allowance
Eyeglass Lenses
- Single vision - In network:100% coverage after $25 copay Out of network:$25 benefit after $25 copay
- Bifocal - In network:100% coverage after $25 copay Out of network:$40 benefit after $25 copay
- Trifocal or Lenticular - In network:100% coverage after $25 copay Out of network:$55 benefit after $25 copay
Contact Lenses In network: $100 allowance Out of network: $80 Allowance
Hearing Benefits Coverage through Hearing Care Solutions
Hearing exam: 100% coverage
Hearing aids: Coverage allowance up to $750 per year
Other Innovative Plan Benefits
Nurse help line: Speak with a Registered nurse about health related questions
Other Benefits (included with both Standard and Innovative Plans)
SilverSneakers gym membership

See page 21 or 22 in Anthem brochure for details

453.53

338.99

371.48

Anthem to 2/28/2026 Includes gym membership

CKHH

238.09

S: 413.61
I: Additional benefits included with Anthem Innovative plan rider

Vision Benefits
Routine eye exam In network: No Charge Out of network: $35 Allowance
Eyeglass Frames In network: $100 allowance Out of network: $45 Allowance
Eyeglass Lenses
- Single vision - In network:100% coverage after $25 copay Out of network:$25 benefit after $25 copay
- Bifocal - In network:100% coverage after $25 copay Out of network:$40 benefit after $25 copay
- Trifocal or Lenticular - In network:100% coverage after $25 copay Out of network:$55 benefit after $25 copay
Contact Lenses In network: $100 allowance Out of network: $80 Allowance
Hearing Benefits Coverage through Hearing Care Solutions
Hearing exam: 100% coverage
Hearing aids: Coverage allowance up to $750 per year
Other Innovative Plan Benefits
Nurse help line: Speak with a Registered nurse about health related questions
Other Benefits (included with both Standard and Innovative Plans)
SilverSneakers gym membership

See page 21 or 22 in Anthem brochure for details

406.39

296.06

324.44

Blue Shield Includes gym membership

CKHH

228.00

About Blue Shield Plan F
Blue Shield no longer sells Standard plan F
This quote refelects the rate for Plan F Extra
Plan F Extra includes all Plan F Standard benefits plus additional "Extra" benefits

About Blue Shield Plan F Extra rider

Basic gym access through sliver sneakers fitness program (silversneakers.com)
Personal Emergency Benefit provides access to help 24/7, at the push of a button
The vision benefit includes coverage for exams, frames and lenses
Hearing aid benefit includes an annual hearing aid test and coverage for Vista
brand mid-level and premium-level hearing aids for a low copay

391.00

S: 333.00

Extra Rider

Basic gym access through sliver sneakers fitness program (silversneakers.com)
Personal emergency response system
Physician consultation by phone or video through Teladoc
Over the counter items through CVS (Up to $100 one time use per quarter allowance)
The vision benefit includes coverage for exams, frames and lenses ($100 frame allowance)
Hearing aid benefit includes an annual hearing aid test and coverage for Vista brand mid-level and premium-level hearing aids for a low copay
Acupuncture and chiropractic, up to 20 combined visits per calendar year
Identity theft protection

E: 350.00

299

HealthSpring HH

277.33

383.13

301.44

109.69

244.55

Continental (Aetna) eff 9/1/2025 HH

289.97

342.86

479.89

100.63

401.76

309.38

Health Net to 2/28/2026 Includes gym membership

243.00

313.00

S: 345.00
Additional benefits included with Health Net Innovative plan rider

Vision Benefits
Routine Eye Exam (In network) - One vision exam every 12 months - $10 Copayment
Routine Eye Exam (Out of network) - One vision exam every 12 months - $45 Allowance
Frame & Lens Package - available from provider only (Once every 24 Months) - Up to $250 allowance
Contact Lenses (includes materials only - once every 24 months) - Up to $250 allowance
Medically necessary contact Lenses - Up to $250 allowance
Hearing Benefits
Routine Hearing Exam - One hearing exam every 12 months
Hearing Aid(s) - all sizes and styles offered by Hearing Care Solutions
- Level 4 - You pay $1580
- Level 3 - You pay $1125
- Level 2 - You pay $700
- Level 1 - You pay $0

See page 44 in Health Net brochure for detailsI: 352.00

143.00

S: 308.00
Additional benefits included with Health Net Innovative plan rider

Vision Benefits
Routine Eye Exam (In network) - One vision exam every 12 months - $10 Copayment
Routine Eye Exam (Out of network) - One vision exam every 12 months - $45 Allowance
Frame & Lens Package - available from provider only (Once every 24 Months) - Up to $250 allowance
Contact Lenses (includes materials only - once every 24 months) - Up to $250 allowance
Medically necessary contact Lenses - Up to $250 allowance
Hearing Benefits
Routine Hearing Exam - One hearing exam every 12 months
Hearing Aid(s) - all sizes and styles offered by Hearing Care Solutions
- Level 4 - You pay $1580
- Level 3 - You pay $1125
- Level 2 - You pay $700
- Level 1 - You pay $0

See page 44 in Health Net brochure for detailsI: 313.00

137.00

270.00

Health Net eff 3/1/2025 Includes gym membership

264.00

341.00

S: 376.00
Additional benefits included with Health Net Innovative plan rider

Vision Benefits
Routine Eye Exam (In network) - One vision exam every 12 months - $10 Copayment
Routine Eye Exam (Out of network) - One vision exam every 12 months - $45 Allowance
Frame & Lens Package - available from provider only (Once every 24 Months) - Up to $250 allowance
Contact Lenses (includes materials only - once every 24 months) - Up to $250 allowance
Medically necessary contact Lenses - Up to $250 allowance
Hearing Benefits
Routine Hearing Exam - One hearing exam every 12 months
Hearing Aid(s) - all sizes and styles offered by Hearing Care Solutions
- Level 4 - You pay $1580
- Level 3 - You pay $1125
- Level 2 - You pay $700
- Level 1 - You pay $0

See page 44 in Health Net brochure for detailsI: 383.00

155.00

S: 335.00
Additional benefits included with Health Net Innovative plan rider

Vision Benefits
Routine Eye Exam (In network) - One vision exam every 12 months - $10 Copayment
Routine Eye Exam (Out of network) - One vision exam every 12 months - $45 Allowance
Frame & Lens Package - available from provider only (Once every 24 Months) - Up to $250 allowance
Contact Lenses (includes materials only - once every 24 months) - Up to $250 allowance
Medically necessary contact Lenses - Up to $250 allowance
Hearing Benefits
Routine Hearing Exam - One hearing exam every 12 months
Hearing Aid(s) - all sizes and styles offered by Hearing Care Solutions
- Level 4 - You pay $1580
- Level 3 - You pay $1125
- Level 2 - You pay $700
- Level 1 - You pay $0

See page 44 in Health Net brochure for detailsI: 341.00

149.00

294.00

Humana

381.17

414.67

506.54

129.25

445.65

116.13

206.53

298.39

329.12

Humana Achieve renewal onlyCKHH

283.91

349.06

306.23

87.55

216.67

United American to 4/30/2026

213.00

312.00

430.00

389.00

456.00

98.00

380.00

98.00

180.00

254.00

323.00

United American eff 5/1/2026

213.00

340.00

469.00

424.00

524.00

113.00

437.00

113.00

196.00

277.00

371.00

UHC to 5/31/2026

CKHH

223.49

312.08

376.47

378.35

295.40

207.27

250.51

UHC eff 6/1/2026

CKHH

261.09

364.72

439.69

442.04

345.22

242.29

292.81

United World Life CKHH

272.74

485.69

396.70

88.55

256.50

Choosing a Medigap Policy

Continental: Add $20 application fee.