Medicare pays for all but $ 1,024.00 of your hospital stay during each benefit period for reasonable and necessary care in the first 60 days of confinement. For the next 30 days, it pays all but $ 256.00 a day for covered services. Medicare pays expenses in excess of $ 512.00 a day during the 91st through 150th days. These are Lifetime Renewable Days and may be used only once. If you are hospitalized more than 150 days, Medicare pays nothing.

Medicare cost-sharing out-of-pocket maximum (once met, plan pays 100% all covered items) $ 4,440 and $ 2,220 core benefits pay the patient’s share of Medicare’s approved amount for physician services 20% after a $ 135 annual deductible, the patient’s cost of a long hospital stay ($ 256/day for days 60-90, $ 512 for days 91-150, all approved costs not paid by Medicare after day 150 to a total of 365 days lifetime) and charges for the first three pints of blood not covered by Medicare.

If you miss your open enrollment period, contact your local Social Security Office. There may be that the initial open enrollment period for Medicare Part D for all people with Medicare began already and you do not have coverage for prescription drugs through a current health plan such as aa person chooses to enroll in a Medicare Advantage Plan for the first time and within the open enrollment plan.

There may be a waiting period for coverage and premium payments due. Some individuals are eligible for Medicare due to a disability and are under age 65. The open enrollment period applies to these individuals upon turning 65.

Medicare provides coverage for hospice care for patients certified as terminally ill. This benefit is divided into two 90-day hospice benefit periods and one 30-day benefit period. A subsequent extension also may be covered. You pay for the first three pints of blood and Medicare pays for any additional blood.

These expenses include the Medicare deductibles for Parts A and B, but do not include, in Plan J, the plan’s separate prescription drug deductible or, in Plans F and J, the separate foreign travel emergency deductible.

In 2010, the Part B premium is $ 96.40 a month. You are not required to purchase Part B, but it is an excellent buy because the federal government pays most of the actual cost. The Part B deductible is the first $ 135.00 of expenses in a calendar year. After the deductible, Medicare pays 80 percent of the approved charges. The Medicare deductible for blood expense is the cost of the first three pints.

You can get enrolled for our medicare health insurance policies through our supplement insurance quote program. You can also get free quotes from http://bestmedicaresupplement.com/.