LRFA

Latvian Relief Fund of America


LRFA is a professionally managed, non-profit, mutual assistance organization, designed to provide our members with affordable health care plans and financial assistance in emergencies. We support other Latvian-American organizations and education in the U.S. and abroad.
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Medicare Supplemental
Health Supplemental
Hospital Supplemental
Visitors from Abroad
Travel Medical Plan
Mortuary Benefit Plan

Medicare Supplemental Plan benefits

What is covered?

M-Basic covers:

  • Medicare Part A hospital co-insurance
  • Medicare Part B medical co-insurance
  • Medicare Part A and B blood coverage
  • After a $7,000 benefit allowance is reached, expenses are covered at a 50% rate.

M-1 covers:

  • Medicare Part A hospital deductible
  • Medicare Part A hospital co-insurance
  • Medicare Part B medical deductible
  • Medicare Part B medical co-insurance
  • Medicare Part A and B blood coverage
  • Skilled nursing facility coinsurance
  • After a $7,000 benefit allowance is reached, expenses are covered at a 50% rate.

M-2 covers:

  • 100% of the difference between Medicare's approved amount for Part B services and the actual billed provider charges
  • maximum benefit for a single service rendered by a provider is $500
  • maximum benefit allowed in a calendar year is $3000

M-3 is a Prescription drug coverage for LRFA members ages 65 and over. This plan covers 50% of all prescription drugs with no coverage gaps after a deductible has been met. Drugs do not have to be Medicare approved. Participation in Medicare's health insurance program is not required.

M-4 covers:

  • the same as M-Basic, M-1, M-2, M-3
  • PLUS:Preventative care, including check-ups, cholesterol screenings, diabetes screenings, hearing tests and thyroid testing not covered by Medicare
  • Short-term care, including at-home medical assistance while recovering from an illness, injury or surgery, if already receiving Medicare covered home health care services

M-5 covers:

  • covers the same as M-1, after a deductible has been met
  • The maximum benefit allowed is $10,000 per calendar year

M-6 covers:

  • same as M-1, at a 50% rate
  • The maximum benefit allowed is $10,000 per calendar year

M-7 covers:

  • covers the same as M-4, after a deductible has been met

© 2017 LRFA   -   P.O. Box 8857, Elkins Park, PA 19027-0857   -   info @ lrfa.org

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