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 $1316.00
This is a benefit period deductible (60 days between stays you owe it
Days 61-90                You pay $329.00 per day
Days 91-150th day  You pay $658.00 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 $164.50 per day
After 100st day         You pay all charges

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

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


In 2017, the standard Part B premium amount is $134.00 per month
In 2016, the standard Part B premium amount is $121.80.
Prior to 2016 most people who draw Social Security benefits will continue
to pay the same Part B premium $104.90 amount as they paid in 2015 and
You’ll pay a different amount if:
*You enroll in Part B for the first time in 2016 and 2017
*You don’t draw Social Security benefits or Railroad benefits
*You’re directly billed for your Part B premiums
*You have Medicare and Medicaid, and Medicaid pays your premiums.  
*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
You Pay Part B
(In 2017)
$85,000 or less
$170,000 or less
$85,000 or less
Above $85,000
up to $107,000
Above $170,000
up to $214,000
Not Applicable
Above $107,000
up to $160,000
Above $214,000
up to $320,000
Not Applicable
Above $160,000
up to $214,000
Above $320,000
up to $428,000
Above $85,000
and up to
Above $214,000
Above $428,000
Above $129,000