Original Medicare & Medigap

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Medicare Coverage

Medicare Part A (2021)

Hospital Inpatient Stay	Deductible: $1,484 per benefit period	First 60 Days Cost: You pay $0. Medicare pays.
		Days 61-100 Cost: You pay $371 a day. Medicare pays the rest.
		Days 101-150 Cost: You pay $742 a day. Medicare pays the rest.
		Days 150+ Cost: You pay 100%
Skilled Nursing Facility Care Stay	Only after a 3-day inpatient stay at a hospital. Skilled Nursing Care is a technical term and does not include solely custodial care	First 20 days Cost: You pay $0. Medicare pays. Days 21-100 Cost: You pay the first $185.50 a day. Medicare pays the rest. Days 101+: You pay 100%
Inpatient Psychiatric Care		190 days lifetime benefit, Medicare pays 100%

Medicare Part B (2021): Part B Deductible = $203.00 Annually

Individual	Joint	Monthly Premium
$88,000 or less	$176,000 or less	$148.50
$88,000 – $111,000	$176,000 – $222,000	$207.90
$111,000 – $138,000	$222,000 -$276,000	$297.00
$138,000 – $165,000	$276,000 – $330,000	$386.10
$165,000 – $500,000	$330,000 – $750,000	$475.20
Greater than $500,000	Greater than $750,000	$504.90

Medicare Part D (2021)

Individual	Joint	Monthly Premium
$88,000 or less	$174,000 or less	Plan Premium
$88,000 – $111,000	$176,000 – $222,000	$12.30 + Plan Premium
$111,000 – $138,000	$222,000 -$276,000	$31.80 + Plan Premium
$138,000 – $165,000	$276,000 – $330,000	$51.20 + Plan Premium
$165,000 – $500,000	$330,000 – $750,000	$70.70 + Plan Premium
Greater than $500,000	Greater than $750,000	$77.10 + Plan Premium

Medigap Coverage

3,110How to read the chart: If a check mark appears in a column of this chart, the Medigap policy covers 100% of the described benefit. If a row lists a percentage, the policy covers that percentage of the described benefit. If a row is blank, the policy doesn’t cover that benefit.

Note: The Medigap policy covers coinsurance only after you have paid the deductible (unless the Medigap policy also covers the deductible.

Medigap Benefits	A	B	C	D	F*	G*	K	L	M	N
	Medigap Plans
Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up	X	X	X	X	X	X	X	X	X	X
Medicare Part B Coinsurance or Copayment	X	X	X	X	X	X	50%	75%	X	X***
Blood (First 3 Pints)	X	X	X	X	X	X	50%	75%	X	X
Part A Hospice Care Coinsurance or Copayment	X	X	X	X	X	X	50%	75%	X	X
Skilled Nursing Facility Care Coinsurance			X	X	X	X	50%	75%	X	X
Medicare Part A Deductible		X	X	X	X	X	50%	75%	50%	X
Medicare Part B Deductible			X		X
Medicare Part B Excess Charges					X	X
Foreign Travel Emergency (Up to Plan Limits)			X	X	X	X				X
							Out-of Pocket Limit**
							$6,220	$3,110

* Plan F and Plan G (beginning in January, 2020) also offers a high-deductible plan. lf you choose this option, this means you must pay for Medicare-covered costs up to the high deductible amount before your Medigap plan pays anything.

** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.

*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in an inpatient admission.

Important Notices

Enrollment in any plan on this page may provide compensation (in the form of commission), that we do not control. I will always, always fulfill my fiduciary responsibility to you.

If compensated, then we will be the Agent of Record, and therefore, if you have any administrative problems or controversies, for any reason, you can contact us, and we will be able to “direct traffic,” provide guidance on how to pursue your inquiry. This is a VITAL, free component of our fiduciary responsibility to clients.

If you cannot find what you are seeking, send an email and ask: we will be able to locate it.