This first table explains the Basic plan. There are optional riders you can add to enhance coverage on the Basic plan, 75/50 plan, and 50/50 plan. You cannot add these riders to the high deductible plan. Some insurance companies allow you to pick and choose and others, such as Unitedhealthcare, provide them only as prearranged packages. Anthem provides prearranged packages and allows you to pick and choose.

There is a separate table below comparing the least comprehensive plans: High Deductible, 75/50 and 50/50. These three plans are not as straight forward.

SERVICES	MEDICARE PAYS	BASIC PLAN		OPTIONAL RIDERS
		Basic Pays	You Pay
HOSPITALIZATION Semiprivate room and board, general nursing and misc. services and supplies First 60 days 61st thru 90th day 91st day and after: -- (While using 60 lifetime reserve days) - Once lifetime reserve days are used: -- Additional 365 days -- Beyond add'l 365 days	Part A Pays All but $1,600 All but $400 / day All but $800 / day $0 $0	Basic $0 $400 $800 100% 0%	You Pay $1,600 $0 $0 $0 100%	Riders You can purchase a rider in which the Basic Plan will pay the full $1,600 Medicare Part A deductible (every time).
SKILLED NURSING FACILITY CARE You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare- approved facility within 30 days after leaving the hospital First 20 days - Copay/Day 21st - 100th day- Copay/Day 101st day and after	Part A Pays All approved amounts All but $200 / day $0	Basic $0 $0 $0	You Pay $0 $200 100%
BLOOD First 3 pints Additional amounts	Part A Pays $0 100%	Basic 100% $0	You Pay $0 $0
HOSPICE CARE You must meet Medicare's requirements, including a doctor's certification of terminal illness.	Part A Pays All except small copayment or coinsurance.	Basic Remaining balance	You Pay $0
MEDICAL EXPENSES - IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as Physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment. First $226 of Medicare Approved Amounts	Part B Pays $0	Basic $0	You Pay $226
Remainder of Part B Approved claims after $226 DR Visit ER Visit	Part B Pays 80% 80% 80%	Basic 20% 20% 20%	You Pay 0% 0% 0%	Rider (lowers premium) You pay 0% after $226 except $20 $50
EXCESS CHARGES	Part B Pays $0	Basic $0	You Pay 100%	Rider pays all excess charges
BlOOD First 3 pints Next $226 of Medicare approved amounts Remainder of Medicare approved amounts	Part B Pays $0 $0 80%	Basic 100% $0 20%	You Pay 0% $226 0%
CLINICAL LABORATORY SERVICES Tests for Diagnostic Services	Part B Pays 100%	Basic 0%	You Pay 0%
HOME HEALTH CARE Medicare approved services Medically necessary skilled care services and medical supplies	Part A&B Pay 100%	Basic 0%	You Pay 0%	Medicare covers up to 60 days Home Health Care when ordred by your doctor. The Home Health rider provides an additional 365 days per year.

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This table compares the least comprehensive plans: High Deductible, 75/25 and 50/50.

Until you've met the Deductible of $2,700 in 2023, High Deductible (HD) will not pay anything.
The Medicare Part B deductible of $226 is included in $2,700 deductible.

Plan 75/25 and Plan 50/50 have an Out of Pocket Maximum (OOPM) instead of a deductible. These plans provide coverage before you meet the OOPM.
Once you have met the OOPM of $6,940 in 2023 on Plan 75/25 and the OOPM of $3,470 on Plan 50/50, these plans will pay at 100% for the remainder of that year.
The $226 Part B deductible is not included in these Out of Pocket Maximums.

		HD		PLAN 75/25		PLAN 50/50
	DEDUCTIBLE / OOPM	Plan Deductible: $2,700		Out of Pocket Maximum: $6,940		Out of Pocket Maximum: $3,470
SERVICES	MEDICARE PAYS	HD Pays	You Pay	Plan 75/25 Pays	You Pay	Plan 50/50 Pays	You Pay
HOSPITALIZATION Semiprivate room and board, general nursing and misc. services and supplies First 60 days -Before Plan Ded./OOPM -After Plan Ded./OOPM 61st thru 90th day -Before Plan Ded./OOPM -After Plan Ded./OOPM 91st day and after, while using 60 lifetime reserve days -Before Plan Ded./OOPM -After Plan Ded./OOPM - Once reserve days are used: -Before Plan Ded./OOPM -After Plan Ded./OOPM - Additional 365 days -Before Plan Ded./OOPM -After Plan Ded./OOPM - Beyond additional 365 days -Before Plan Ded./OOPM -After Plan Ded./OOPM	Part A Pays All but $1,600 All but $1,600 All but $400 / day All but $400 / day All but $800 / day All but $800 / day $0 $0 $0 $0 $0 $0	HD Pays $0 $1,600 $0 $400 / day $0 $800 / day $0 100% $0 100% $0 $0	You Pay $1,600 $0 $400 / day $0 / day $800 / day $0 / day 100% $0 100% $0 100% 100%	Plan 75/25 Pays $1,200 $1,600 $400 / day $400 / day $800 / day $800 / day 100% 100% 100% 100% $0 $0	You Pay $400 $0 $0 $0 $0 $0 $0 $0 $0 $0 100% 100%	Plan 50/50 Pays $800 $1,600 $400 / day $400 / day $800 / day $800 / day 100% 100% 100% 100% $0 $0	You Pay $800 $0 $0 $0 $0 $0 $0 $0 $0 $0 100% 100%
SKILLED NURSING FACILITY CARE You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare- approved facility within 30 days after leaving the hospital First 20 days - Copay/Day -Before Plan Ded./OOPM -After Plan Ded./OOPM 21st - 100th day- Copay/Day -Before Plan Ded./OOPM -After Plan Ded./OOPM 101st day and after	Part A Pays All approved amounts All approved amounts All but $200 / day All but $200 / day $0	HD Pays $0 $0 $0 $200 / day $0	You Pay $0 $0 $200 / day $0 100%	Plan 75/25 Pays $0 $0 $150 / day $200 / day $0	You Pay $0 $0 $50 $0 100%	Plan 50/50 Pays $0 $0 $100 / day $200 / day $0	You Pay $0 $0 $100 / day $0 100%
BLOOD First 3 pints -Before Plan Ded./OOPM -After Plan Ded./OOPM Additional amounts -Before Plan Ded./OOPM -After Plan Ded./OOPM	Part A Pays $0 $0 100% 100%	HD Pays $0 100% $0 $0	You Pay 100% $0 $0 $0	Plan 75/25 Pays 75% 100% $0 $0	You Pay 25% $0 $0 $0	Plan 50/50 Pays 50% 100% $0 $0	You Pay 50% $0 $0 $0
HOSPICE CARE You must meet Medicare's requirements, including a doctor's certification of terminal illness. -Before Plan Ded./OOPM -After Plan Ded./OOPM	Part A Pays All except small copayment or coinsurance.	HD Pays $0 100%	You Pay $0 100%	Plan 75/25 Pays 75% 100%	You Pay 25% $0	Plan 50/50 Pays 50% 100%	You Pay 50% $0
MEDICAL EXPENSES - IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as Physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment. First $226 of Medicare Approved Amounts -Before Plan Ded./OOPM -After Plan Ded./OOPM	Part B Pays $0 $0	HD Pays $0 $226	You Pay $226 $0	Plan 75/25 $0 $0	You Pay $226 $226	Plan 50/50 $0 $0	You Pay $226 $226
Remainder of Part B Approved claims after $226 -Before Plan Ded./OOPM -After Plan Ded./OOPM	Part B Pays 80% 80%	HD Pays 0% 20%	You Pay 20% 0%	Plan 75/25 15% 20%	You Pay 5% 0%	Plan 50/50 10% 20%	You Pay 10% 0%
EXCESS CHARGES -Before Plan Ded./OOPM -After Plan Ded./OOPM	Part B Pays $0 $0	HD $0 100%	You Pay 100% $0	Plan 75/25 $0 $0	You Pay 100% 100%	Plan 50/50 $0 $0	You Pay 100% 100%
BlOOD First 3 pints -Before Plan Ded./OOPM -After Plan Ded./OOPM Next $226 of Medicare approved amounts -Before Plan Ded./OOPM -After Plan Ded./OOPM Remainder of Medicare approved amounts -Before Plan Ded./OOPM -After Plan Ded./OOPM	Part B Pays $0 $0 $0 $0 80% 80%	HD Pays $0 100% $0 $226 0% 20%	You Pay 100% $0 $226 $0 20% 0%	Plan 75/25 75% 100% $0 $0 15% 20%	You Pay 25% $0 $226 $226 5% $0	Plan 50/50 50% 100% $0 $0 10% 20%	You Pay 50% $0 $226 $226 10% $0
CLINICAL LABORATORY SERVICES Tests for Diagnostic Services	Part B Pays 100%	HD 0%	You Pay 0%	Plan 75/25 0%	You Pay 0%	Plan 50/50 0%	You Pay 0%
HOME HEALTH CARE Medicare approved services Medically necessary skilled care services and medical supplies	Part A&B Pay 100%	HD 0%	You Pay 0%	Plan 75/25 0%	You Pay 0%	Plan 50/50 0%	You Pay 0%