Medicare Benefits Description Year 2006
Main Page
Florida Health Insurance -
with a complete listing of carriers and plans
Click Here to Bookmark this Site
| Part A Inpatient Benefits | Services Covered by Medicare |
| Hospital Inpatient | |
| 1st day to 60th day | You pay $952 hospital deductible per benefit period |
| 61st day to 90th day | You pay $238 per day |
| Beyond 90 days | You pay $476 per day beyond 90 days on each |
| of 60 lifetime days | |
| Inpatient Psychiatric Hospital Care | You pay $952 hospital deductible per benefit period limited |
| to 190 days lifetime maximum | |
| Skilled Nursing Facility | |
| 21st day to 100th day | You pay $119 per day after 3 day hospital stay limit |
| When you are hospitalized for
at least 3 days and enter a Medicare approved skilled nursing facility within 30 days after hospital discharge and receiving daily skilled nursing care |
limit 100 days per benefit period |
| Part B Medical Services | Services Covered by Medicare |
| Physician services | You pay a $124 annual deductible, a 20% coinsurance |
| including primary, | and the remaining charges above the Medicare approved |
| specialist, podiatric, | amount. Both the Medicare deductible and the |
| OB/GYN and chiropractic | Medicare coinsurance are based on Medicare's |
| Surgical services | approved amounts. The approved amount may be all. |
| including surgeon and | of the bill, some portion of the bill or none of the bill |
| anesthesiologist | |
| Diagnostic services | For example |
| including laboratory tests | If you have medical services costing $1000 |
| and x-rays (outpatient) | Medicare then approves $600 |
| PAP Smears and Mammography | Medicare will pay 80% of the amount approved |
| Immunizations | Medicare pays 80% of $600 or $480 |
| (Flu and Hepatitis B) | You would be responsible for $1000 less $480 |
| Ambulance transportation | You would owe $520 to the providers in this example |
| Emergency Room Services | |
| Therapy | |
| Physical, speech and | |
| occupational | |
| Durable medical equipment | |
| Psychiatric physician care | |
| Blood | You pay for the first 3 pints of blood used each year |
| Transfusion of blood and blood | unless you have paid for them as part of your hospital |
| components | stay. For additional pints you pay 20% of the |
| approved amount | |
| Home Health Care | Unlimited visits for up to 21 consecutive days |
| Services Not Covered | Services Covered by Medicare |
| Routine Prescription drugs | Oral Cancer and Immunosuppressive drugs covered Part B |
| Dental Services | |
| Routine Eye Exams | |
| Routine Hearing Exams |
For low cost Medicare Supplement/Medigap Plans and Medicare Part D information please contact
John K. Arnold
Florida Health Insurance
Group, Employee Benefits & Individual Health Insurance Specialist
Website Address www.floridahealthinsurance.com
E-Mail:
John K Arnold
Phone: 407-592-0311 (Best number to reach me)
Phone: 407-830-0259
Fax: 407-386-7053
If outside the US, it is best to e-mail as we can respond more
quickly. Thanks.
Let me know how I can help you.