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Medicare Coverage Medicare Supplement Policy Rates View the 10 Standardized Medicare Plan Part B: (Medical Insurance) Premium $66.60 per month. For the things Medicare does not cover call ....1 888 456 1858 or 504-456-1858 Request more information or a personalized quote!
Medicare (Part A) 2004 Hospital Insurance - Covered Services Per Benefit Period
Service (Part A)	Benefit	Medicare Pays	You Pay
Hospitalization: Semiprivate room and board, general nursing and miscellaneous hospital services and supplies. Includes meals, special care units, drugs, lab tests, diagnostic X-rays, medical supplies, operating and recovery room, anesthesia and rehabilitation services.	Medicare pays all covered costs for first 60 days, except the first $952. For the 61st through 90th days, it pays all except $238 a day. There are also 60 nonrenewable "reserve days" which can be used when the 90 days are past. Medicare pays all except the first $476 for each reserve days. You pay all costs past 150 days.
Post-hospital Skilled Nursing Facility Care (In a facility approved by Medicare): You must have been in a hospital for at least three days in a row and enter the facility within 30 days after having been discharged from the hospital.	First 20 days	All costs	Nothing
	Next 80 days	All but $119	$119 per day
	Medicare and private insurance will not pay for most nursing home care, and you pay for custodial care.
Home Health Care	Unlimited as medically necessary	Full cost	Nothing
Hospice Care: May exceed the 210 days of care if re-certified as terminally ill.	Two 90-day periods and one 30-day period	All but limited costs for outpatient drugs and inpatient respite care.	Limited cost sharing for outpatient drugs and inpatient respite care
Blood	Blood	All but first three pints	For first three pints
CLICK HERE TO VIEW RATES FOR MEDICARE SUPPLEMENT COVERAGE Medicare Supplement insurance can pay for some or all of the costs allowable but not covered by Medicare. Request more information or a personalized quote!
Medicare (Part B) 2004 Medical Insurance - Covered Services Per Calendar Year
Service (Part B)	Benefit	Medicare Pays	You Pay^¹
Medical Expense: Doctor's services, inpatient and outpatient medical services and supplies, physical and speech therapy, ambulance, etc.	Medicare pays for medical services in or out of hospital. Some insurance policies pay less (or nothing) for hospital outpatient medical services in a doctor's office.	80% of approved amount (after $124 deductible). 50% of approved charges for most outpatient mental health services.	$124 deductible² plus 20% of approved amount and limited charges above approved amount.³ 50% of approved charges for mental health services.
Home Health Care	Unlimited if medically necessary	Full cost	Nothing
Outpatient Hospital Treatment	Unlimited if medically necessary	80% of approved amount (after $100 deductible)	$124 deductible² plus 20% of balance of approved amount
Blood: Any blood deductibles satisfied under Part B will reduce the blood deductible requirements	Blood	80% of approved amount (after first three pints)	$124 deductible² plus first three pints plus 20% of balance of approved amount

Note: If the period of hospitalization covers two calendar years, no new deductible is required for the new year. These figures are for 2004 and are subject to change each year. While the information above is believed to be accurate , no guarantee or warranty is either expressed or implied.¹You pay for charges higher than the amount approved by Medicare unless the doctor or supplier agrees to accept Medicare's approved amount as the total charge for services rendered. ²Once you have had $100 of expense for covered services in 2004, the Part B deductible does not apply to any further covered services you receive the rest of the year. ³Federal law limits charges for physician services.

Medicare Supplements can pay for all of the costs allowable but not covered by Medicare.

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 $189.00 for people having 30-39 quarters of Medicare-covered employment. The Part A premium is $343.00 per month for people who are not otherwise eligible for premium-free hospital insurance and have less than 30 quarters of Medicare-covered employment. States have programs that pay some or all of beneficiaries' premiums and coinsurance for certain people who have Medicare and a low income. Information is available at 1-800-MEDICARE (1-800-633-4227) and, for hearing and speech impaired, at TTY/TDD: 1-877-486-2048. Information concerning the Social Security Cost of Living increase for 2004 can be found at http://www.ssa.gov/.

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