Medicare was never meant to cover all of your doctor and hospital bills. Many people do not realize this and expect them to pay all. Reliance on Medicare in this situation can mean financial difficulty with out-of-pocket expenses.
KSKJ Life offers 7 Standardized Insurance Plans
KSKJ Life insurance plans are designed to give you choices. Choices you need to help cover health care costs today! Our plans allow you to choose a Medicare Supplement to suit your life's situation, budget and needs.
All Medicare Supplement Plans Offer These Benefits:
Part A Co-Insurance pays if you are confined to a hospital. Should you require more than 60 continuous days of hospitalization, KSKJ Life will pay the co-insurance amounts up to the 150th day of confinement and also for the first 3 pints of blood each year. Additionally, KSKJ Life will provide coverage for up to an additional 365 days.
Part B Co-Insurance pays the Medicare Part B coinsurance amount, reducing your out-of-pocket expenses when you require medical services.
Your KSKJ Life Benefits
Medicare Part A
Medicare Part B
Certificate Benefits
FIND AN AGENT
Medicare Part A
Hospital Coverage
Deductible: KSKJ Life Plans B, C, D, E, F and G all pay the $1024 inpatient hospital deductible for each benefit period.
First 60 Days: After the Part A deductible, Medicare pays all eligible expenses for services from your first through 60th day of hospital confinement. Services include: semiprivate room and board, general nursing, and miscellaneous hospital services and supplies.
Coinsurance: All KSKJ Life Plans pay up to $256 a day when you are hospitalized from the 61st through the 90th day. And when you are in the hospital from the 91st through the 150th day, KSKJ Life Plans pay you up to $512 a day for each Lifetime Reserve day used.
Extended Hospital Coverage: When you are in the hospital for longer than 150 days during a Benefit Period, and you have exhausted your 60 Medicare Lifetime Reserve days, all KSKJ Life Plans pay the Part A Medicare eligible expenses for hospitalization, paid at the Prospective Payment System (PPS) rate or other appropriate standard of payment, subject to a lifetime maximum benefit of an additional 365 days.
Benefit for Blood: Medicare has one calendar-year deductible for blood that is the cost of the first three pints needed. All KSKJ Life Plans pay this deductible.
Skilled Nursing Facility Care
First 20 Days: Medicare pays all eligible expenses.
Coinsurance: KSKJ Life Plans C, D, E, F, and G pay up to $128 a day from the 21st through the 100th day during which you receive skilled nursing care. You must enter a Medicare-certified skilled nursing facility within 30 days of being hospitalized for at least three days.
THIS IS A BRIEF DESCRIPTION of your coverage. For complete information on benefits, exceptions, and limitations, please call your local sales representative or the KSKJ Life Home Office at 1.800.THE.KSKJ.
Neither KSKJ Life nor its agents are connected in any way with the Federal or State Governments or Medicare.
KSKJ BRA 7-08(D)
Medicare Part B
Physician's Services & Supplies
Deductible: KSKJ Life Plans C and F pay the $135 calendar year deductible.
Coinsurance: After the Part B deductible, all KSKJ Life Plans generally pay 20% of Medicare Eligible Expenses for physician's services, hospital outpatient services and supplies, physical and speech therapy, and ambulance service.
Excess Benefits: Your bill for Part B services and supplies may exceed the Medicare Eligible Expense. When that occurs, KSKJ Life Plan F pays 100% of the difference, up to the charge limitation established by Medicare. KSKJ Life Plan G pays 80% of the difference, up to the charge limitation established by Medicare.
Benefit for Blood: medicare has one calendar year deductible for blood that is the cost of the first three pints needed. All KSKJ Life Plans pay this deductible.
Additional Benefits:
Emergency Care Received Outside of the U.S.: After you pay a $250 calendar-year deductible, KSKJ Life Plans C, D, E, F, and G pay you 80% of eligible expenses incurred during the first 60 days of emergency care received outside of the U.S.. up to a lifetime maximum of $50,000. Benefits are payable for emergency health care you need immediately because of a covered injury or illness of sudden and unexpected onset.
At-Home Recovery Visits: KSKJ Life Plans D and G pay for seven visits a week, up to $40 a visit up to a maximum of $1,600 a year for assistance with activities of daily living. Benefits are payable for services necessary for your recovery from an illness, injury or surgery in your home by a Medicare approved provider.
Preventive Care Benefit: KSKJ Life Plan E pays $120 per year for some annual physical and preventive tests and services administered or ordered by your doctor when not covered by Medicare.
THIS IS A BRIEF DESCRIPTION of your coverage. For complete information on benefits, exceptions, and limitations, please call your local sales representative or the KSKJ Life Home Office at 1.800.THE.KSKJ.
Neither KSKJ Life nor its agents are connected in any way with the Federal or State Governments or Medicare.
KSKJ BRA 7-08(D)
Certificate Benefits
You certificate is guaranteed renewable. Your certificate cannot be canceled. It will be renewed as long as the premiums are paid on time.
Rates are based on your age and your premiums will increase automatically on each certificate anniversary date, based on the age you attain. Premium rate adjustments may also be made based on current health care cost experience for benefits paid. KSKJ Life reserves the right to establish new premium rates for all insureds based on a class basis, but only after giving you advance notice. However, we will not increase premiums based on your own claims.
You are covered immediately. There is no waiting period for pre-existing conditions. Benefits will be paid from the time your certificate is in force. A pre-existing condition means a condition for which medical advice was given or treatment was recommended by or received from a physician before the effective date of the coverage.
KSKJ Life Medicare Supplements will not pay for:
Expenses incurred while the certificate is not in force except as provided in the Extension of Benefits section;
Hospital or Skilled Nursing Facility confinement incurred during a Medicare Part A Benefit Period that begins while the certificate is not in force;
That portion of any expense incurred which is paid for by Medicare;
Services for non-Medicare Eligible Expenses unless specifically covered in the policy, including, but not limited to, routine exams, take-home drugs and eye refractions;
Services for which a charge is not normally made in the absence of insurance; or
Loss or expense that is payable under any other medicare Supplement insurance policy or certificate.
THIS IS A BRIEF DESCRIPTION of your coverage. For complete information on benefits, exceptions, and limitations, please call your local sales representative or the KSKJ Life Home Office at 1.800.THE.KSKJ.
Neither KSKJ Life nor its agents are connected in any way with the Federal or State Governments or Medicare.
KSKJ BRA 7-08(D)
For More Information
For more information on a KSKJ Life Medicare Supplement Plans
Products 
Medicare was never meant to cover all of your doctor and hospital bills. Many people do not realize this and expect them to pay all. Reliance on Medicare in this situation can mean financial difficulty with out-of-pocket expenses.
