How Original Medicare works with a Medicare Supplement Plan
2024 Medicare Part A Part A is Hospital Insurance for confinement in a hospital or skilled nursing facility per benefit period.
2024 Medicare Supplement Plan N Patient with a Supplemental Medical Insurance Plan
When you are Hospitalized* for: 1- 60 Days
Medicare Covers:
You Pay:
You Pay:
Most confinement costs after the required Medicare deductible All eligible expenses after patient pays a per-day co-payment All eligible expenses after patient pays a per-day co-payment (These are Lifetime Reserve Days that may never be used again)
$1,632 Deductible
$0
$408 A Day Co-payment as much as $12,240 $816 A Day Co-payment as much as $48,960 You Pay All Costs After 20 days $204 A Day Co-payment as much as $16,320
61- 90 Days
$0
91- 150 Days
$0
Nothing
151 Days or More *Skilled Nursing Confinement: Following an inpatient hospital stay of at least 3 days and enter a Medicare-approved skilled nursing facility within 30 days after hospital discharge and receive skilled nursing care Hospice Care: Must meet Medicare’s requirements, including a doctor’s certification of terminal illness Blood Must meet Medicare’s requirements, including a doctor’s certification of terminal illness Other Benefits not covered by Medicare Foreign Travel NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA.
Plan provides 365 add’l days
First 20 Days: $0 21-100th Day: $0
All eligible expenses for the first 20 days; then all eligible expenses for days 21-100 after patient pays a per-day co-payment
101th Day and After:
All Costs
Medicare Co-payment/Coinsurance
All but very limited co-payment/coinsurance for outpatient drugs and inpatient respite care
You may also pay: A copayment of up to $5 for each prescription drug and other similar products for pain relief and symptom control while you’re at home $0
First 3 Pints: $0 Additional Amounts: $0
100% of approved amount after first 3 pints of blood
First 3 pints
Medicare Pays
Plan N Pays
You Pay
First $250 of each calendar year Remainder of changes
$0
$0
$250
80% to a lifetime maximum benefit of $50,000
20% and amounts over the $50,000 lifetime maximum
$0
*A benefit period begins on the first day you receive service as an inpatient and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.
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