Original Medicare does not pay all your medical costs. It was never designed to do so. The following are explanations of costs that are your responsibility in Medicare Parts
A and B:

Costs to You in Original Medicare
 

Medicare Part A Deductible

For each benefit period, you pay:
$1,132 deductible for days 1-60 of a hospital stay.

Medicare Part A Coinsurance

For each benefit period, you pay:
$283 per day for days 61-90.
$566 per day for days 91-150 (these are your 60 lifetime reserve days).
All costs after day 150.

Blood

You pay for the first 3 pints of blood.

Skilled Nursing Facility Care Coinsurance-only covered after a 3 day hospital stay for a related illness or injury

For each benefit period, you pay:
nothing for the first 20 days.
up to $141.50 per day for days 21-100.
all costs after day 100. 

Medicare Part B Deductible

You pay the $162 yearly deductible.

Medicare Part B Coinsurance

You pay all coinsurance (generally 20% of the Medicare-approved amounts) for most covered services and any copayment after you meet the yearly Part B deductible.

Medicare Part B Excess Charges

You pay the difference between the Medicare-approved amount and the limiting charge (no more than 15% above the Medicare-approved amount).

Foreign Travel Emergency

Generally, you pay all costs.

Home Health Care

You pay:
$0 for Medicare-approved home health services.
100% for services not covered by Medicare.
20% of the Medicare-approved amount for durable medical equipment .

Preventive Care Coinsurance

Generally, you pay all costs.

Preventive Care not Covered by Medicare

You pay all costs.

Hospice Care

You pay:  a copayment of up to $5 per prescription for outpatient prescription drugs for pain and symptom management.
5% of the Medicare-approved amount for inpatient respite care (short-term care so the usual caregiver can rest).
*Medicare does not cover room and board when you receive hospice care in your home or another facility where you live (nursing home).

These costs to you may be covered by Medicare Supplement insurance. Not all Medicare Supplement policies contain all of these benefits. The Standardized Medicare Supplement Plans A-N include different combinations of the following benefits:

Medicare Part A Deductible

  • $1132 inpatient hospital deductible in each benefit period

Part A Coinsurance

  • $283 per day for days 61-90
  • $566 per day for days 91-150

365 Extra Hospital Days

First 3 pints of blood

Skilled Nursing Coinsurance

  • $141.50 per day coinsurance amount for days 21-100 in each benefit period
  • Must be in a Medicare-certified Skilled Nursing Facility
  • Only covered after a three-day inpatient hospital stay for a related illness or injury

Part B Deductible

  • $162 Medicare Part B yearly deductible

Medicare Part B Coinsurance

  • 20% of the Medicare-approved amount for services after the Part B yearly deductible has been paid

Medicare Part B Copayments

  • A set amount charged for each visit for some hospital outpatient services

Part B Excess Charges

  • The difference between the Medicare-approved amount and the doctor’s actual charge up to 15% over the Medicare-approved amount

Foreign Travel Emergency

  • 80% of actual charges for medically necessary emergency care received in a foreign country with the following restrictions
    • Expenses must be incurred during the first 60 days of the trip
    • $250 calendar year deductible
    • Lifetime maximum of $50,000

Hospice Care

  • $5 copay for outpatient prescription drugs for pain and symptom management
  • 5% of the Medicare-approved amount for inpatient respite care (short-term care given by another caregiver so the usual caregiver can rest). Does not include room and board.

Take the Right Steps to Get the Best Coverage

Benefit Consultants - Midwest will guide you through the entire process of choosing the right supplement for you. We take our responsibility seriously to educate you about your options, evaluate available benefits, and shop for the best rates. Contact us to get started selecting the best plan for you or, simply fill out the form below and a licensed broker will contact you within 24 hours.

Get Advice From Medicare Supplement Experts
Help is free and you can’t find better prices anywhere.
*Name:
*Phone:
*Email:
Your Information is always kept completely private.

 

Client Testimonials

I am pleased to inform you that we chose Benefit Consultants – Midwest after talking to several different insurance agents. I was very pleased how you presented yourself and your company, as we felt that you were looking out for our interest.

 1. You saved us money by looking for the best and cheapest plan and you took your time to explain what the differences were and that all plan F supplements for Medicare are the same and provide the same.

 2. Not only did you save us money but time as you were very prepared.

 3. Most important you were very knowledgeable and your follow up was excellent.

 4. Not only were you on top of taking care of my requests but the follow up on my wife the following year took away the worry of looking and starting over to get her insurance in line.

We are very pleased with you and your company and would recommend them to any individual or family.
-Jack & Mary Ann, Frankfort IL

Read more