FLORIDA HEALTH INSURANCE

Medicare Benefits Description Year 2006

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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.

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