2010 Medicare Part A
Part A is Hospital Insurance and covers costs associated with confinement in a hospital or skilled nursing facility.
| When You Are
Hospitalized for: |
MEDICARE COVERS |
YOU PAY |
| 1-60 Days |
Most
confinement costs after
the required Medicare Deductible. |
$1,100 Deductible |
| 61-90 Days |
All eligible
expenses, after the
patient pays a per-day copayment |
$275 a day copayment as much as $8,010 |
| 91-150 Days |
All eligible
expenses, after the
patient pays a per-day copayment. (These are Lifetime Reserve
Days which may never be used again.) |
$550 a day copayment as much as $32,040 |
| 151 days or
more |
NOTHING |
You pay ALL
costs |
| Skilled
Nursing Confinement: At least 3 days and enter a Medicare
approved skilled nursing facility within 30 days after hospital
discharge |
All eligible
expenses for the first 20 days; then all eligible expenses for days
21-100, after patient
pays. |
After
20 days $137.50 a day copayment as much as $11,000 |
2010 Medicare Part B
Part B is Medical Insurance and covers physician services, outpatient care, tests and supplies.
| On
Expenses Incurred for: |
Medicare
Covers |
You
Pay |
| Doctor
office visits |
80%
of all "approved" charges after the required Medicare Deductible |
$155 Deductible plus 20% of all "approved" charges plus 100%* of any charges above the amount "approved" by Medicare |
| Lab tests
outside hospital |
||
| Surgeon's Fee |
||
| Anesthesiologist's
Fee |
||
| Doctor
visits - in hospital |
||
| Ambulance |
||
| Speech
Therapy |
||
| Mammography |
*On all Medicare-covered expenses, a doctor or other health care provider may agree to accept Medicare "assignment". This means the patient will not be required to pay any expenses in excess of Medicare's "approved" charge. The patient pays only 20% of the "approved charge not paid by Medicare.
Physicians who do not accept assignment of a Medicare claim are limited as to the amount they can charge for covered services. In 2005, the most a physician can charge for services covered by Medicare is 115% of the fee scheduled amount for nonparticipating physicians.
Physicians who do not accept assignment of a Medicare claim are limited as to the amount they can charge for covered services. In 2005, the most a physician can charge for services covered by Medicare is 115% of the fee scheduled amount for nonparticipating physicians.