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What are the Benefits of Additional Coverage?
Traditional Medicare does not pay all your health care costs. People who have only Medicare coverage pay a lot of money out of their own pockets for deductibles and coinsurance payments and services not covered by Medicare.
Here are some examples of costs you may have to pay if you have only Traditional Medicare Part A and Part B coverage.
- Routine exams and physicals are not generally covered by Medicare. You are responsible for the entire cost of these visits.
- Just one day in the hospital can cost you up to $1,100.
- Skilled nursing facility care is covered by Medicare Part A for up to 20 days. From day 21 to 100, you could be responsible for $137.50 per day.
- For medical expenses in or out of the hospital (medical and surgical services, physical therapy, diagnostic tests, and durable medical equipment), Medicare Part B requires a $155-per-year deductible. After the deductible, Medicare covers only 80% of approved charges.
With a Medicare Advantage managed-care plan from AmeriHealth 65 NJ HMO, you are covered for more benefits and your out-of-pocket costs are minimal.
- For routine exams and physicals from your Primary Care Physician, you are responsible for only your copayment.
- For skilled nursing facility care, you are covered in full, after you have met your deductible.
- For medical expenses in or out of the hospital (medical and surgical services, physical therapy, diagnostic tests, and durable medical equipment), you will be responsible for your copayment or no copayment at all.
How can you avoid the costs not paid by Medicare?
For more information on how a Medicare Advantage managed-care plan from AmeriHealth 65 NJ HMO compares with Medicare coverage, download the summary of benefits:
