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Medicare offers limited
coverage for
hospital and other medical services |
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4 Parts of Medicare
What Medicare Pays
Understanding
Your Expenses (example of costs with and without coverage)
What Medicare Covers and
You Must Pay
Medsupplement Worksheet
(helps compare cost of Plans)
Coverage Options
(Supplement 7 Medicare Advantage)
Medicare Supplement
Medicare Advantage
Part D
Medicare has Four Parts
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Part A
(Hospital Insurance)
Most people do not have to
pay for Part A.
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Part B
(Medical Insurance)
Most people pay monthly for
Part B.
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Part C
(Medicare Advantage Plans)
Medicare Advantage plans are
offered by private insurance
companies as an alternative
to Original Medicare; plans
are government subsidized
and regulated.
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Part D
(Prescription Drug Coverage)
Part D Plans are offered by
private companies to provide
coverage for prescription
drug costs; plans are
government subsidized and
regulated.
To see a more detailed
explanation of the different
parts of Medicare click on
What Is Medicare
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What is Medicare
Click
on image above to
download the 2009 Medicare &
You Booklet from Social
Security.
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Get A Quote |
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What Medicare Pays and
Doesn't
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Part A: Hospital
and Skilled Nursing |
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Service |
Medicare Pays |
Your Share |
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Hospitalization
Deductibles |
Days
1-60
All
but $1,068 |
$1,068 |
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Days
61-90
All
but $267 per day |
$267 per day |
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Days
91-150
(Lifetime Reserve
Days)
All but $534 per day |
$534 per day |
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Nothing beyond 150
days
After
using Lifetime
Reserve Days |
All
costs for the
remainder of the
hospital stay
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First
3 pints of blood |
100% |
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Skilled Nursing
Facility Care |
Days
1-20 100% of
approved amount
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Nothing |
Days 21-100
All but $133.50 per
day |
$133.50 per day |
Days
100+
No benefit All costs
for the rest of your
stay |
All
costs for the rest
of your stay |
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What Medicare Pays and
What You Pay
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Part B: Medical
Insurance |
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Service |
Medicare Pays |
Your Share |
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Medical Expenses
Doctors Fees
Outpatient
Hospital Expenses |
80% of approved
amount
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$135 deductible per
calendar year |
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20% of approved
amount
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What
Medicare Pays and What You Pay |
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Understanding Your Expenses (example)
| Doctor Bill Medicare Approved Charges
15% Excess Charge Maximum (15% x $1,500)
Total allowable charges |
Medicare Only $1,500
$ 225
$1,725 |
With Plan F $1,500
$ 225
$1,725 |
| Medicare Pays 80% of Approved Charges (80% x $1500) |
$1,200 |
$1,200 |
| You Pay 20% of Approved Charges (20% x $1,500) |
$300 |
$0 |
| You Also Pay 100% of Excess Charges |
$225 |
$0 |
| Your total out-of-pocket expense |
$525 |
$0 |
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Your Share of What You Pay
If you would like to see a more detailed explanation
of what Medicare pays and what you must pay click on the
Image
to the Right.
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Get A Quote |
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Your Options |
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Get A
Quote |
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Medsupp Worksheet
Use this handy little worksheet to help you decide if a Medicare
Supplement or a Medicare Advantage Plan might be the right choice for you.
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Worksheet to Help you
Compare Cost of Medicare Supplement with Medicare Advantage Plans |
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Medicare
Supplement
Consider these facts in deciding if
Medicare Supplement insurance for hospital and
medical coverage is right for you:
- Medicare does not cover all
health care bills.
- Medicare has deductibles and
co-payments for some services.
- The insured is responsible for
paying the costs of services not covered by
Medicare.
- Over 11 standard plans to choose
from. All similar type plans like type A, Type
F MUST offer the identical coverage, regardless of
price or company offering the covrage.
- This makes it very easy to
compare plans from different companies once you have
decided which type supplement plan is right for you.
- Requires a monthly premium in
addition to your Part B premium.
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List of
Medigap
Plans
Choosing A Medigap Policy
Get A Quote |
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Medicare Advantage
PlansConsider these facts in deciding if a
Medicare Advantage Plan for hospital and medical
coverage is right for you:
- Most Medicare Advantage Plans cover costs
& services not covered by Original Medicare.
- Medicare Advantage Plans may have
lower deductibles & co-payments than Original
Medicare.
- Zero monthly premium plans
available in widely.
- Many plans include
Prescription Coverage
- No health questions asked.
All Medicare beneficiaries, including people on Medicare due
to a disability, are guaranteed acceptance
regardless of health conditions (except End Stage Renal
Disease).
Medsupp Worksheet
Use this handy little worksheet to help you decide if a
Medicare Supplement or a Medicare Advantage Plan might be the
right choice for you.
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Get A Quote |
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Part D
Prescription Coverage
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Must have Part A , Part B or
both
•Initial enrollment 7 months beginning 3 months
before first month of Medicare eligibility
•Can change plans during Annual Election Period
November 15-December 31 (some special
enrollment periods available)
•Costs can vary by plan
•Most people will pay
• Deductible
• Copayments and coinsurance
• Very little after out-of-pocket costs
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Qualifying for Extra Help with your R/x Coverage
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Contact us direct by phone at 1-866-527-1910 during business
hours pacific time or simply choose the Online Quote Request Link for more
information and Rates.
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Fill in our simple no
obligation form
for a FREE Medicare Quote |
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