Medicare Part A and Part B Does Not Cover :

For Medicare parts A and B, you generally must pay monthly premiums, as well as deductibles, copayments, and coinsurance. You also pay the full cost of services not covered by Medicare. Medicare has been assisting seniors with the cost of their healthcare, although the gaps left in coverage continue to get wider each year as deductibles and copayment amounts increase.


  • Out of Pocket charges for 2012 are:

  • The Monthly Part B premium $99.90 per month
  • The Monthly Part A premium for People who do not have 40 or more quarters of Medicare-covered employment $450.00 per month
  • Deductibles for Part A of $1156.00 and $140.00 for Part B
  • Coinsurance of $289-$578 per day for a hospital stay after day 60 and $141.50 daily coinsurance for skilled nursing after day 20
  • Part B has a 20% copayment on Medical services
  • A medical bill for $100,000 has a $20,000 copayment

  • Outpatient prescription drugs, there are some exceptions to this

Medicare supplemental Plan FFlorida medicare supplemental Insurance plan F will cover all deductibles, coinsurance, copayments and extend your benefit period, all for a reasonable monthly premium. A woman living in Naples, Florida can get a Plan F for a monthly premium of around $190. If you would like to have our agent contact you for an exact quote click the link below and complete the subsequent form.

  • Long-term care services
  • Medicare only pays for medically necessary skilled nursing facility or home health care.
    • Custodial care
    • such as help walking, getting in and out of bed, dressing, bathing, toileting, shopping, eating, and taking medicine (these are referred to as activities of daily living).
    • More than 100 days of skilled nursing
    • care during a benefit period following a hospital stay. The Medicare Part A benefit period begins the first day you receive a Medicare-covered service and ends when you have been out of the hospital or a skilled nursing facility for 60 consecutive days.
  • Homemaker services
  • Private-duty nursing care
  • Most dental care and dentures
  • Health care received while traveling outside the United States
  • Cosmetic surgery and routine foot care
  • Routine eye care
  • eyeglasses (except after cataract surgery), and hearing aids.


**The information on this website is intended for informational purposes only and may change at any time.   Medicare Supplement Advisor and V. Reed Speas himself are not connected with or endorsed by the U.S. government or the federal Medicare program.

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