medicareWhat 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. You can also visit: www.medicare.gov for more information.

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 $1364.00
This is a benefit period deductible (60 days between stays you owe it again)
Days 61-90 - You pay $341.00 per day
Days 91-150th day - You pay $682.00 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 $170.50 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

Lab 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.

2019 Medicare and You Handbook

2019 CHANGES IN COST OF MEDICARE PART B & PART D

In 2019, the standard Part B premium amount is $135.50 per month An estimated 42 percent of all Part B enrollees are subject to the hold harmless provision in 2019 but will pay the full monthly premium of $135.50, 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 2019 amount. About 28 percent of all Part B enrollees are subject to the hold harmless provision in 2019 and will pay less than the full monthly premium of $135.50, 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

Secure Choices Insurance Services 

Medicare Part B - Benefits
You have an Annual Deductible of $185.00.
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.