Medicare Info – Maximize Your Medicare (2022-2023 Edition)

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Medicare 2023 Premiums

INDIVIDUAL	JOINT	PART B PREMIUM	PART D PREMIUM
$97,000 or less	$194,000 or less	$164.90	Plan Premium
$97,001 - $123,000	$194,001 - $246,000	$230.80	$12.20 + Plan Premium
$123,001 - $153,000	$246,001 -$306,000	$329.70	$31.50 + Plan Premium
$153,001 - $183,000	$306,001 - $366,000	$428.60	$50.70 + Plan Premium
$183,001 - $499,999	$366,001 - $749,000	$527.50	$70.00 + Plan Premium
$500,000+	$750,000+	$560.50	$76.40 + Plan Premium

Medicare Coverage

Medicare Part A

Coverage	COST	DETAILS & NOTES
Hospital Inpatient Stay	Deductible: $1,600 per benefit period	First 60 Days Cost: You pay $0. Medicare pays
		Days 61-100 Cost: You pay $400 a day. Medicare pays the rest.
		Days 101-150 Cost: You pay $800 a day. Medicare pays the rest.
Skilled Nursing Facility Care	Only after a 3-day inpatient stay at a hospital.	Days 150+ Cost: You pay 100%
	Nursing Care is a technical term and does not include solely custodial care.	First 20 days Cost: You pay $0. Medicare pays.
Inpatient Psychiatric Care		Days 21-100 Cost: You pay the first $200.00 a day. Medicare pays the rest.
		Days 101+: You pay 100%
		190 days lifetime benefit, Medicare pays 100%

Medigap Coverage

* 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. In 2023, the deductible for High-deductible Plans F and G is $2,700.

** 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.

BENEFITS	Plan A	Plan B	Plan C	Plan D	Plan F	Plan G	Plan K	Plan L	Plan M	Plan N
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%	50%
Medicare Part B Deductible			X		X
Medicare Part B Excess Charges					X	X
							Out Of Pocket Limit $6,220	Out Of Pocket Limit $3,110

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.

Maximize Your Medicare

Qualify for Benefits, Protect Your Health, and Minimize Your Costs