What Is Medicare?
A federal health insurance program for:
People 65 years of age or older
People under age 65 with certain disabilities
Who Is Eligible for Medicare?
You are eligible if:
You are 65 years old
or you are under age 65 with certain disabilities
You are a U.S. citizen or permanent resident
You or your spouse
have paid Social Security taxes for at least 10 years
Part A + Part B = Original Medicare
What Is It?
fee-for-service plan managed by the Federal Government.
How Does It Work?
You pay a deductible
before Medicare pays its part. You then pay your share (coinsurance or
copayment), approximately 20%, for covered services.
See any doctor or supplier that accepts Medicare.
May use with Medigap
or other coverage like Medicare Part D to help pay costs not covered
under Original Medicare.
Use your red, white
and blue Medicare card when you get services.
Your Medicare Card
Part A: Hospital Insurance
What It Covers
Many services related to
inpatient hospital stays, skilled nursing facilities, home healthcare and
What You Pay (hospital
stay deductibles for 2009
benefit period (days 1-60)
All costs for each day
beyond 150 days (Lifetime reserve days are 60 extra days of coverage you
can use in your lifetime. In 2008, you pay $534
during these 60 days of coverage.)
Part B: Medical Insurance
What It Covers:
Some of the expenses
related to doctor services, lab work and other outpatient services.
What You Pay:
Part B premium of
$96.40 monthly (based on your income; it might be higher if you didnít
sign up for Part B when you first became eligible)
$135 annual deductible
20% of the
Medicare-approved amount for most services after the $135 deductible has
If a doctor or
to accept assignment,
their costs are often higher, which means you would pay more.
Part C: Medicare Advantage
All of your Original
Medicare Part A and B benefits,
benefits. Some plans also provide Part D Prescription Drug coverage.
What You Pay
Monthly plan premiums
Copayments or coinsurance for services
Drug costs in coverage
gap (although some plans offer coverage through this gap)
Part D: Prescription Drug Insurance
outpatient prescription drugs
on stand alone only!
copayments and coinsurance according to the planís benefits
For more information or an appointment please call 916-961-2845 /
email@example.com Lic.# 0753854