Medicare Part A & B

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Medicare Part A & B

Medicare Part A & B

The Best Coverage

Medicare Parts A & B will cover most of your hospital expenses and physician visits. Start Your Savings.

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What is Medicare?

Medicare is a federally operated and funded health program for men and women age 65 and older or those people with particular disabilities, for example permanent kidney failure. Medicare insures treatment of acute health conditions or those circumstances that individuals typically recuperate from. Medicare attempts to supply affordable, top quality health care to a segment of the population which usually lives on a fixed income. Medicare is supplied in four parts, Part A, Part B, Part C, and Part D.  Parts A & B are known as Original Medicare. People protected by this plan pay some of the health care expenses plus an extra premium, known as insurance deductible and coinsurance, for Parts B and D.

Medicare Part A

Medicare Part A is normally known as the Hospital Insurance. It covers medically essential services for  in-patient hospital care, critical access care, skilled nursing care, hospice and some in-home care. The deductible for Part A is currently $1,216 for a 60 hospital period. Medicare doesn't pay for long-term care in your own home, in assisted living or at nursing home facilities. Medicare Part A is free of charge to Medicare beneficiaries if the beneficiary paid Medicare taxes when they were working for 10 years or more. Even when a person isn't qualified to receive Part A free-of-charge, the individual may qualify to purchase Part A coverage should they meet eligibility requirements.

Medicare Part B

Medicare Part B is known as Medical Insurance. Part B insures medically essential professional services for example doctor and out-patient treatment. Part B does now include many Preventive health care screenings and services. Furthermore, certain occupational and physical therapy service are included Medicare Part B. Unlike Part A, Part B coverage has a fixed monthly premium, currently $104.90. Premiums are means tested and might be higher for beneficiaries with higher incomes.  Part B has an annual deductible of $147. Part B has 80/20 coinsurance. Medicare pays 80% and the beneficiary is responsible for 20%. Many beneficiaries purchase a Medicare supplement plan to cover the deductible and coinsurance charges.

If you need help comparing plans and benefits, call us toll free 1-800-536-7522.