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How the Plan Coordinates with Medicare

This simple example shows how your UC Medicare Supplement plan coordinates with Medicare when you see a provider who accepts Medicare.

The plan covers annual preventive screenings and lab tests recommended by Medicare based on your age and gender at 100% when you see a provider that accepts Medicare.

 
Medicare Allowed Amount $500
Medicare Pays

$400

Generally, 80% of Medicare allowable charges:

$500 x 80% = $400

Plan Pays

$80

80% of remaining eligible expenses covered by the plan

$100 x 80% = $80

You Pay

$20

20% of remaining eligible expenses covered by the plan, plus any charges not covered by Medicare

$100 – 80 = $20

Not All Providers Accept Medicare

There may be times when you use what Medicare calls a “non-participating provider.” Because these providers are not bound by Medicare, they can charge you more than the Medicare “allowable amount.” Learn more.