Original Medicare (Part A) pays for hospitalization charges, but only until day 60. Should you need extended hospital care, a Medicare Supplement Insurance Plan can pick up where Original Medicare ends. This plan covers 100 percent of your hospitalization coinsurance from day 61 through day 90 ($352 a day) and the remainder owed after day 90 ($740 a day). This plan also pays the cost for an additional 365 days of hospital care after your Medicare Lifetime Reserve benefits end. With Plan A, the costs for the first three pints of blood and your Medicare copayment/coinsurance for hospice care are covered.
- 100 percent of hospitalization coinsurance from days 61-90
- 365 extra days of hospital care after Medicare coverage ends
- 100 percent of the cost of the first three pints of blood
- Medicare copayment/coinsurance for hospice care
What You Can Expect To Pay
This kind of Plan A senior Medicare insurance offers a low-cost, basic benefits plan. You can expect to pay a monthly premium as well as your Part A and Part B deductible. You will also be responsible for any Part B excess charges that Medicare does not pay and coinsurance for skilled nursing care.
As long as you continue to pay your premium, your benefits can never be terminated. Your Medicare Plan A insurance is renewable, despite your health. A practical solution for securing dependable, basic coverage.
|Basic Benefit Options||Premier Plan Options||Budget-Conscious Plan Options|
|Plan A||Plan B||Plan C||Plan F||Plan G||High Deductible|
|Plan K*||Plan L*||Plan N*|
|Reduced Premium Medicare Select Option Available (eligibility based on ZIP code)|
|Skilled Nursing Coinsurance||100%||100%||100%||100%||50%||75%||100%|
|Part A Deductible||100%||100%||100%||100%||100%||50%||75%||100%|
|Part B Deductible||100%||100%||100%|
|Part B Excess||100%||100%||100%|
|Foreign Travel Emergency Care|
|Annual Out of Pocket Limit**||$6,220||$3,110|
*Plans K-N provide for different cost-sharing than plans A-G.
Plans K and L pay 100% of hospitalization and preventive care Basic Benefits. All other Basic Benefits are paid at 50% (Plan K) and 75% (Plan L). Once you reach the annual limit, the plan pays 100% of the Medicare copayments, coinsurance and deductibles for the rest of the calendar year. The out-of-pocket annual limit does NOT include charges from your provider that exceed Medicare-approved amounts, called “excess charges.” You are responsible for paying excess charges.
Plan N covers Basic Benefits after a $20 copay for office visits and a $50 copay for emergency room visits.
**The out-of-pocket annual limit may increase each year for inflation. (2020 limits shown)
† Network restrictions apply
*Not connected with or endorsed by the U.S. Government or Federal Medicare Program