|
Plan E 2010
MEDICARE (PART A) - HOSPITAL
SERVICES - PER BENEFIT
PERIOD |
* A benefit period begins on
the first day you receive
service as an inpatient in a
hospital and ends after you
have been out of the
hospital and have not
received skilled care in any
other facility for 60 days
in a row. |
Service: |
HOSPITALIZATION*
Semiprivate room and board,
general nursing and
miscellaneous services and
supplies: |
|
MEDICARE PAYS |
PLAN PAYS |
YOU PAY |
First 60 days |
All but $1100 |
$1100 (Part A Deductible) |
$0 |
61st through 90th day |
All but $275 a day |
$275 a day |
$0 |
91st day and after: |
|
|
|
While using 60 lifetime
reserve days |
All but $550 a day |
$550 a day |
$0 |
Once lifetime reserve days
are used: |
|
|
|
Additional 365 days |
$0 |
100% of Medicare Eligible
Expenses |
$0** |
Beyond the Additional 365
days |
$0 |
$0 |
All costs |
Service: |
SKILLED NURSING FACILITY
CARE *
You must meet Medicare's
requirements, including
having been in a hospital
for at least 3 days and
entered a Medicare-approved
facility within 30 days
after leaving the hospital: |
First 20 days |
All approved amounts |
$0 |
$0 |
21st through 100th day |
All but
$137.50 a day
|
Up to
$137.50 a day
|
$0
|
101st day and after |
$0 |
$0 |
All costs |
Service: |
BLOOD
|
First 3 pints |
$0 |
3 pints |
$0 |
Additional amounts |
100% |
$0 |
$0 |
Service: |
HOSPICE CARE
Available as long as your
doctor certifies you are
terminally ill and you elect
to receive these services. |
|
All but very limited
coinsurance for outpatient
drugs and inpatient respite
care |
$0 |
Balance |
**NOTICE: When your Medicare
Part A hospital benefits are
exhausted, the insurer
stands in the place of
Medicare and will pay
whatever amount Medicare
would have paid for up to an
additional 365 days as
provided in the policy's
"Core Benefits." During this
time the hospital is
prohibited from billing you
for the balance based on any
difference between its
billed charges and the
amount Medicare would have
paid. |
|
Plan E 2010
MEDICARE (PART B) -
MEDICAL SERVICES - PER
CALENDAR YEAR |
* Once you have been billed
$155 of Medicare-Approved
amounts for covered services
(which are noted with an
asterisk), your Medicare
Part B Deductible will have
been met for the calendar
year. |
Service: |
MEDICAL EXPENSES - In or
Out of the Hospital and
Outpatient Hospital
Treatment,
such as Physician's
services, inpatient and
outpatient medical and
surgical services and
supplies, physical and
speech therapy, diagnostic
tests, durable medical
equipment: |
|
MEDICARE PAYS |
PLAN PAYS |
YOU PAY |
First $155 of Medicare
Approved Amounts* |
$0 |
$0 |
$155 (Part B Deductible) |
Remainder of Medicare
Approved Amounts |
Generally 80% |
Generally 20% |
$0 |
Part B Excess Charges (Above
Medicare Approved Amounts) |
$0 |
$0 |
All costs |
Service: |
BLOOD |
First 3 pints |
$0 |
All cost |
$0 |
Next $155 of Medicare
Approved Amounts* |
$0 |
$0 |
$155 (Part B Deductible) |
Remainder of Medicare
Approved Amounts |
80% |
20% |
$0 |
Service: |
CLINICAL LABORATORY SERVICES |
Blood tests for Diagnostic
Services |
100% |
$0 |
$0 |
|
MEDICARE PARTS A & B |
Service: |
HOME HEALTH CARE
Medicare Approved Services: |
|
MEDICARE PAYS |
PLAN PAYS |
YOU PAY |
Medically necessary skilled
care services and medical
supplies |
100% |
$0 |
$0 |
Durable medical equipment: |
|
|
|
First $155 of Medicare
Approved Amounts* |
$0 |
$0 |
$155 (Part B Deductible) |
Remainder of Medicare
Approved Amounts |
80% |
20% |
$0 |
|
OTHER BENEFITS - NOT
COVERED BY MEDICARE
|
Service: |
FOREIGN TRAVEL
Medically necessary
emergency care services
beginning during the
first 60 days of each
trip outside the USA:
|
First $250 each calendar
year |
$0 |
$0 |
$250 |
Remainder of charges |
$0 |
80% to a lifetime maximum of
$50,000 |
20% and amounts over the
$50,000 lifetime maximum |
Service: |
***PREVENTIVE MEDICAL
CARE
BENEFIT-NOT COVERED BY
MEDICARE
Some annual physical and
preventative tests and
services such as:
digital rectal exam,
hearing screening,
dipstick urinalysis,
diabetes screening,
thyroid function test,
tetanus and diphtheria
booster and education,
administered or ordered
by your doctor when not
covered by Medicare:
|
First $120 each calendar
year |
$0
|
$120
|
$0
|
Additional charges |
$0 |
$0 |
All costs |
***Medicare benefits are
subject to change. Please
consult the latest Guide
to Health Insurance for
People with Medicare. |