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Original Medicare 2009

The Annual Open Enrollment Period is November 15th To December 31st For Help Contact Me Now

There is no charge to the individual for using the services of a licensed health insurance agent—the commission is entirely paid by the carrier. The carrier is prohibited from selling the policy any cheaper if an individual does not use an agent.

The following is a listing of the Medicare premium, deductible, and coinsurance rates that will be in effect in 2009:

Medicare Premiums for 2009:

Part A: (Hospital Insurance) Premium

Most people do not pay a monthly Part A premium because they or a spouse has 40 or more quarters of Medicare-covered employment.
The Part A premium is $244.00 per month for people having 30-39 quarters of Medicare-covered employment.
The Part A premium is $443.00 per month for people who are not otherwise eligible for premium-free hospital insurance and have less than 30 quarters of Medicare-covered employment.

Part B: (Medical Insurance) Premium

$96.40 per month*

Medicare Deductible and Coinsurance Amounts for 2009:

Part A: (pays for inpatient hospital, skilled nursing facility, and some home health care) For each benefit period Medicare pays all covered costs except the Medicare Part A deductible (2009 = $1,068) during the first 60 days and coinsurance amounts for hospital stays that last beyond 60 days and no more than 150 days.

For each benefit period you pay:

A total of $1,068 for a hospital stay of 1-60 days.
$267 per day for days 61-90 of a hospital stay.
$534 per day for days 91-150 of a hospital stay (Lifetime Reserve Days).
All costs for each day beyond 150 days

Skilled Nursing Facility Coinsurance

$133.50 per day for days 21 through 100 each benefit period.

Part B: (covers Medicare eligible physician services, outpatient hospital services, certain home health services, durable medical equipment)

$135.00 per year. (Note: You pay 20% of the Medicare-approved amount for services after you meet the $135.00 deductible.)

Medicare Benefit Chart for 2009

Part A Inpatient Benefits	Services Covered by Medicare

Hospital Inpatient

1st day to 60th day	You pay $1068 hospital deductible per benefit period

61st day to 90th day	You pay $267 per day

Beyond 90 days	You pay $534 per day beyond 90 days on each
	of 60 lifetime days

Inpatient Psychiatric Hospital Care	You pay $1068 hospital deductible per benefit period limited
	to 190 days lifetime maximum
Skilled Nursing Facility
21st day to 100th day	You pay $133.50 per day after 3 day hospital stay limit
When you are hospitalized for at least 3 days and enter a Medicare approved skilled nursing facility within 30 days after hospital discharge and receiving daily skilled nursing care	limit 100 days per benefit period

Part B Medical Services	Services Covered by Medicare
Physician services	You pay a $135 annual deductible, a 20% coinsurance
including primary,	and the remaining charges above the Medicare approved
specialist, podiatric,	amount. Both the Medicare deductible and the
OB/GYN and chiropractic	Medicare coinsurance are based on Medicare's
Surgical services	approved amounts. The approved amount may be all.
including surgeon and	of the bill, some portion of the bill or none of the bill
anesthesiologist
Diagnostic services	For example
including laboratory tests	If you have medical services costing $1000
and x-rays (outpatient)	Medicare then approves $600
PAP Smears and Mammography	Medicare will pay 80% of the amount approved
Immunizations	Medicare pays 80% of $600 or $480
(Flu and Hepatitis B)	You would be responsible for $1000 less $480
Ambulance transportation	You would owe $520 to the providers in this example
Emergency Room Services
Therapy
Physical, speech and
occupational
Durable medical equipment
Psychiatric physician care
Blood	You pay for the first 3 pints of blood used each year
Transfusion of blood and blood	unless you have paid for them as part of your hospital
components	stay. For additional pints you pay 20% of the
	approved amount
Home Health Care	Unlimited visits for up to 21 consecutive days

Services Not Covered	Services Covered by Medicare
Routine Prescription drugs	Oral Cancer and Immunosuppressive drugs covered Part B
Dental Services
Routine Eye Exams
Routine Hearing Exams

For low cost Medicare Supplement/Medigap Plans and Medicare Part D information please contact

Please call 1-888-592-0311 extension 702 or email for information

John K. Arnold
Managing General Agent
Over 26 years of insurance experience working for you
Website Address www.my-medicare-plan.com
E-Mail: John K Arnold

Phone: 407-592-0311
Fax: 407-386-7053

If outside the US, it is best to e-mail as we can respond more quickly. Thanks.

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