Medicare for Seniors

Medicare Hospital Insurance (Part A)

Cost

Premium-free for most people who qualify (if you or a spouse paid Medicare taxes while working, you qualify).

Hospitalization Costs (per hospital stay)

• First 60 Days: You pay $1,184.00 annual deductible
• Days 61-90: You pay $296 per day
• Lifetime Reserve Days (60 days over your lifetime): $592 per day

Skilled Nursing Facility (Nursing Home)

• First 20 Days: You pay $0
• Days 21-100: You pay $148 per day
• After Day 100: You pay all costs for each day in a benefit period

Home Health Care (Skilled Care Approved by a Medical Doctor)

Includes Registered Nurse, Physical Therapist, Occupational Therapist, and Speech Therapist. It does not include non-medical custodial care provided by Senior Home Care Agencies.

• First 100 visits: You pay $0

Hospice Care

• Outpatient Prescriptions: You pay no more than $5.00 per prescription
• Respite Caregiver to relieve the usual Caregiver: You pay 5%

Medicare Medical Insurance (Part B)

Medicare supplemental insurance helps pay the "gap" between what Original Medicare (Parts A and B) pays for your health care and what you pay out of pocket, including deductibles, copayments, and coinsurance.

Co-payment: 20% for Medicare-approved costs

• Physician's Visits
• Some Diagnostic Tests
• Ambulance Services
• Outpatient Surgery
• Diagnostic Procedures
• Durable Medical Equipment (wheelchairs, hospital beds, etc.)