Your Out-of-Pocket Costs with Medicare

Part A: Inpatient Hospital

Feature                                            Medicare Pays*                  You Pay*
Deductible                                      Nothing                                 $1,068
First 60 Days                                 100%                                      $0
Coinsurance 61-90 days           All but $267 a day            $267 a day
Coinsurance 91-150 days         All but $534 a day            $534 a day
Coinsurance 151+ days             Nothing                                   Eligible Expenses
Blood                                                 All but three pints
Skilled Nursing Facility Care
First 20 Days                                  100%
Coinsurance 21-100 days         All but $133.50 a day     $133.50 a day
101st day and after                      Nothing                                 All

Part B: Supplemental Medical Coverage
Feature                                             Medicare Pays*                   You Pay*
Deductible                                       Nothing                                   $135
Coinsurance            Generally 80% of Medicare approved expenses     Generally 20% of Medicare approved expenses
Excess Benefits                              Nothing
Blood                                                 All but three pints
Additional Benefits
Emergency Care Received Outside the U.S.     Nothing
At-home Recovery Visits                                        Nothing

*Reflects 2009 Medicare program