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Medicare Explained
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| Trout Insurance is a full line insurance agency located in Asheville, NC. Trout Insurance offers life, health, disability, Medicare supplement, long term care insurance home and auto insurance for individuals as well as college funding and retirement planning. Christopher Smith, Dave Trout, Jan Trout and Ralph Redpath are independent insurance agents with Trout Insurance. Christopher Smith specializes in group health insurance, employee benefits, insurance needs for business owners, key person disability insurance, disability buy out insurance, individual life insurance, short term health insurance, disability insurance, long term care insurance, group long term care insurance and critical illness insurance. Dave Trout specializes in life and disability insurance, Medicare supplement insurance, retirement planning for individuals and businesses, commercial business insurance and college funding. Jan Trout specializes in individual health insurance. Ralph Redpath specializes in home and auto coverage. Web site design by Christopher Smith. Agency photo by Jason Sanford. |
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Medicare Part A
Hospital Coverage
Medicare Part A hospital/skilled nursing facility care eligible expenses include charges for semiprivate room & board, general nursing
and miscellaneous services and supplies.
Deductible
Plans F and G pay the inpatient hospital deductible ( PlanM pays one half of the deductible) for each benefit period, which begins the
first full day you are hospitalized and ends when you haven’t been in a hospital or skilled nursing facility for 60 days in a row
Coinsurance
All plans pay the daily coinsurance charges for 61 – 150 days.
Extended Hospital Coverage
When you are in the hospital for a contineous stay of longer than 150 days – all plans pay the Medicare eligible expenses for
hospitalization, paid at the rate Medicare would have paid – for a lifetime maximum of 365 days.
Skilled Nursing Facility Care Benefit
Co-insurance: Plans F, G and M pay the daily coinsurance charges for 21 – 100 days when you receive skilled nursing care. You must
enter a Medicare- certified facility within 30 days of being hospitalized for at least three days.
Medicare Part B
Medical Coverage
Medicare Part B eligible expenses include charges for physicans’ services, outpatient services and supplies, physical and speech
therapy, ambulance service
Deductible
Plan F pays the annual calendar-year deductible.
Co-insurance
After the Part B deductible – allplans pay 20% of eligible expenses.
Excess Benefits
Your bill for Medicare Part B services may exceed the Medicare eligible expense. When that occurs – Plans F & G pay 100% of the
difference, up to the limitation ( generally 15% ) established by Medicare.
For more information about Medicare Part D perscription coverage, please click here
This summary is current as of January 2011. For detailed information, please see www.medicare.gov
Hospital Coverage
Medicare Part A hospital/skilled nursing facility care eligible expenses include charges for semiprivate room & board, general nursing
and miscellaneous services and supplies.
Deductible
Plans F and G pay the inpatient hospital deductible ( PlanM pays one half of the deductible) for each benefit period, which begins the
first full day you are hospitalized and ends when you haven’t been in a hospital or skilled nursing facility for 60 days in a row
Coinsurance
All plans pay the daily coinsurance charges for 61 – 150 days.
Extended Hospital Coverage
When you are in the hospital for a contineous stay of longer than 150 days – all plans pay the Medicare eligible expenses for
hospitalization, paid at the rate Medicare would have paid – for a lifetime maximum of 365 days.
Skilled Nursing Facility Care Benefit
Co-insurance: Plans F, G and M pay the daily coinsurance charges for 21 – 100 days when you receive skilled nursing care. You must
enter a Medicare- certified facility within 30 days of being hospitalized for at least three days.
Medicare Part B
Medical Coverage
Medicare Part B eligible expenses include charges for physicans’ services, outpatient services and supplies, physical and speech
therapy, ambulance service
Deductible
Plan F pays the annual calendar-year deductible.
Co-insurance
After the Part B deductible – allplans pay 20% of eligible expenses.
Excess Benefits
Your bill for Medicare Part B services may exceed the Medicare eligible expense. When that occurs – Plans F & G pay 100% of the
difference, up to the limitation ( generally 15% ) established by Medicare.
For more information about Medicare Part D perscription coverage, please click here
This summary is current as of January 2011. For detailed information, please see www.medicare.gov