Term |
|
Part
A Deductible |
Medicare
Part A Hospital Deductible
You
may need this benefit if you
have to stay in the hospital.
The Part A deductible for 2006
is $952. This amount can change
every year. You have to pay
this deductible for each benefit
period.
Benefit
covers:
•
$952 in 2006.This amount can
change every year.
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|
Part
B Deductible
|
Medicare
Part B Hospital Deductible
You
may want to consider this benefit
(which is $124 in 2006) if you
have Medicare Part B. Each year
you must pay the Part B deductible
before Medicare starts to pay
its share. If you have this
benefit, the Medigap plan would
pay this amount each year.
Benefit
covers:
•
$124 per year.
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|
Part A and B Coinsurance |
Part
A and B Coinsurance
Benefit
covers:
•
The Part A coinsurance amount
for days 61-90 ($238 per day
in 2006)
and days 91-150 ($476 per day
in 2006) of a hospital stay.
•
The coinsurance or copayment
amount for Part B services after
you
meet the $124 yearly deductible.
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|
Part
B Excess - Above Medicare's
Approved Amount
|
Medicare
Part B Excess Charge
Under
federal law, doctors who don't
accept "assignment "
(take Medicare's approved amount
as payment in full) may charge
up to 15% more than the approved
amount. You might want to think
about this benefit if your doctors
don't accept assignment. You
may also want this benefit if
you have to stay in the hospital
and can't control whether the
doctors you see accept assignment.
Benefit
covers:
•
Plans F, I and J pay all of
the excess charges.
•
Plan G pays 80% of the excess
charges.
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Foreign
Travel Emergency |
Foreign
Travel Emergency If
you travel outside the United
States, this benefit could save
you money for emergency care.
Benefit
covers:
•
80% of the cost of emergency
care during the first 60 days
of each
trip (after you pay the $250
deductible).
•
Up to $50,000 in your lifetime.
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|
At-Home
Recovery
|
At-Home
Recovery This
benefit covers additional care
at home if you are already getting
Medicare-covered home health
services. It pays up to $40
a visit and $1,600 a year. This
benefit may cost a lot and may
not be worth the additional
premiums you pay for it.
Benefit
covers:
•
The cost of at-home help with
daily activities like bathing
and dressing
if you are already getting Medicare-covered
home health visits.
•
Up to 8 weeks of at-home help
after skilled care is no longer
needed.
•
Will pay up to $40 each visit
and $1,600 each year.
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|
Skilled
Nursing Coinsurance
|
Skilled
Nursing Coinsurance
You
may want to consider this benefit
if you need to go to a Skilled
Nursing Facility (SNF) after
a hospital stay and stay in
the SNF longer than 20 days.
Benefit
covers:
•
Up to $119 a day for days 21-100
in a Skilled Nursing Facility
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|
Preventative Care
|
Preventative
Care This
benefit helps pay for routine
yearly check-ups and tests (such
as routine yearly check-ups,
serum cholesterol E and screening,
hearing tests, diabetes screening,
thyroid function test) that
may be important to you to keep
you healthy.
Benefit
covers:
•
Up to $120 each year.
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|
365
Extra Days
of Hospital Coverage
|
365 Extra Days of Hospital Coverage
Under
federal law, doctors who don't
accept "assignment"
(take Medicare's approved amount
as payment in full) may charge
up to 15% more than the approved
amount. You might want to think
about this benefit if your doctors
don't accept assignment. You
may also want this benefit if
you have to stay in the hospital
and can't control whether the
doctors you see accept assignment.
Benefit
covers:
•
100% of the cost for up to 365
more days of a hospital stay
during
your lifetime after you use
up all Medicare hospital benefits.
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|
3
Pints of Blood
|
3
Pints of Blood Benefit
covers:
•
The first 3 pints of blood or
equal amounts of packed red
blood cells
per calendar year, unless this
blood is replaced.
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|