Medicare pays all but $400 for first 60 days' hospital care; all but $100 per day for 61st through 90th days; all but $200 per day for 60 additional days. Pays in full nursing facility care for first 20 days; pays all but $50 per day for 21st through 100th days.

After $75 annual deductible, pays 80 percent of Medicare-allowed charge for physician services. Patient liable for balance billing. No drug coverage. Blue Cross-Blue Shield Participating Provider Plan

Pays in full 365 days hospital care. Pays in full 100 days' nursing home care; all but $50 per day from 101st to 365th day.

Pays in full physician services ($5 per visit charge for office, outpatient visits). No balance billing to patient when covered services provided by participating doctors. Ninety percent of physicians in state participate. Blue Cross-Blue Shield Preferred Provider Plan

Pays in full 365 days' hospital care. Pays in full 100 days' nursing home care; all but $50 per day from 101st to 365th day. Pays in full physician services ($5 per visit charge for office, outpatient visits). No balance billing to patient when covered services provided by participating doctors. Fifty-five percent of physicians in state participate. Blue Cross-Blue Shield Columbia Medical Plan HMO

Full coverage for hospital and physician care ($4 deductible per office visit). Annual health exams covered. No balance billing to patient. Plan pays $4 toward each drug prescription. Four facilities located in Howard and Anne Arundel counties; all care provided through centers. Blue Cross-Blue Shield Free State Health Plan HMO

Full coverage for hospital and physician care. Annual health exams covered. No balance billing to patient. Plan pays $2 toward each drug prescription. Fourteen centers in Baltimore area; all care provided through centers.