Medicare A & B
Secure Choices Insurance Services
1624 3rd Avenue North
Jacksonville Beach, Florida  32250
(904) 242-8893
(904) 242-0163 Facsimile

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What is Medicare?

Medicare was signed into law by President Lyndon
Johnson on July 30, 1965, in Independence, MO.  It
is health insurance for people age 65 or older,
under age 65 with certain disabilities, and any age
with End-Stage Renal Disease (ESRD) (permanent
kidney failure requiring dialysis or a kidney
transplant).  Original Medicare covers many health
care services and supplies, but there are many
costs ("gaps") it doesn't cover. It is divided into
different parts "A,B,C,D" which are explained below
and on the next page.
Medicare Part A

Medicare Part A covers your inpatient Hospital stays, Skilled nursing
facilities, Hospice,Home care and blood as long as deemed Medically
necessary with co pays and coinsurance. The cost for Part A is normally
$0.00 as long as you or your spouse worked 40 quarters  or 10 years into
the Social Security system.

Hospital Benefits:
Days 1-60 You pay a deductible of $1340.00
This is a benefit period deductible (60 days between stays you owe it
again)
Days 61-90                You pay $335.00 per day
Days 91-150th day  You pay $670.00 per day
After 151st day         You pay all charges

Skilled Nursing Benefits:
After a 3 day Inpatient Hospital stay
Days 1-20                   You pay $0.00
Days 21-100               You pay $167.50 per day
After 100st day         You pay all charges

Hospice Benefits:
Medicare pays majority of all costs except for a small co pay or
coinsurance

Home Care Benefits:
Medicare pays all costs

Blood Benefits:
You pay the first 3 pints of Blood
Medicare pays all charges thereafter

Medicare Part B

Medicare Part B helps cover Medically necessary doctors services in or
out of the hospital, outpatient care, home health services, durable
medical equipment and other medical services as well as Preventative
services.

2018 CHANGES IN COST OF MEDICARE PART B & PART D

In 2018, the standard Part B premium amount is $134.00 per month
An estimated 42 percent of all Part B enrollees are subject to the hold
harmless provision in 2018 but will pay the full monthly premium of $134,
because the increase in their Social Security benefit will be greater than or
equal to an increase in their Part B premiums up to the full 2018 amount.
About 28 percent of all Part B enrollees are subject to the hold harmless
provision in 2018 and will pay less than the full monthly premium of $134,
because the increase in their Social Security benefit will not be large
enough to cover the full Part B premium increase.

You’ll pay a different amount if:
*Your modified adjusted gross income as reported on your IRS tax return
from 2 years ago is above a certain amount

















Medicare Part B - Benefits

You have an Annual Deductible of $183.00
Medicare pays 80% of Approved amounts
You pay 20% of Approved Amounts
If the Doctor does not take assignment you can pay up to an additional
15% above the Approved amount.

*The Service must be Approved by Medicare to receive payment
*Certain Preventative Care is Paid at 100% by Medicare
File Individual
Tax Return
File Joint
Tax Return
File Married &
Separate Tax
Return
You Pay Part B
Premium
(In 2017)
$85,000 or less
$170,000 or less
$85,000 or less
$134.00
Above $85,000
up to $107,000
Above $170,000
up to $214,000
Not Applicable
$187.50
Above $107,000
up to $160,000
Above $214,000
up to $320,000
Not Applicable
$267.90
Above $160,000
up to $214,000
Above $320,000
up to $428,000
Above $85,000
and up to
$129,000
$348.30
Above $214,000
Above $428,000
Above $129,000
$428.60