Doctor and Outpatient Visits

• Monthly Premium $135.50 (May be higher based on income)
• Physician Services
• Outpatient Hospital Services
• Laboratory Services
• Durable Medical Equipment
• Annual Deductible $185.00
• 20% coinsurance of Medicare-Approved Expenses
• No Max Out of Pocket
• No Prescription Drug Coverage (Part D)

• Combines your Original Medicare Part A & Part C. Usually includes Part D
• Offered through private insurance companies (HMO, PPO, PFFS, SNP)

Pros

• Plans start at $0 per month in premiums
• Copays for Medical Services
• Offers an annual Max Out-Of-Pocket
• Offers additional benefits that Original Medicare doesn’t offer: Eye Exam, Hearing Exam, Vision Exam, and Gym Memberhsip

Cons

• Plans offer a network of doctors and hospitals

• Helps cover drug cost
• Offered through private insurance companies
• Every plan has a list of drugs they cover (formulary)
• Late enrollment penalty applies
• Average monthly premium is $25 – $50 per month

Hospital Insurance

• Most people don’t pay monthly premium
• Inpatient Hospital Care and Mental Health Care
• Skilled Nursing Care
• Hospice Care
• Annual Deductible $1,364