What Medicare Doesn’t Cover
Medicare does not cover all health care costs. Medicare coverage consists of Part A (which covers hospital and skilled nursing facility care), and Part B (which covers doctor bills and other medical expenses).
Even with Medicare Part A and Part B coverage, you’re responsible for some out-of-pocket expenses including:
- Part A hospital deductible ($1,632)
- Part B deductible ($240)
- Copayments for hospital stays over 60 days
- Care in a skilled nursing facility after 20 days
- 20% coinsurance for doctor bills and other medical expenses (Parts A and B pay the first 80%)
Medicare Supplement Basic Benefits
- Hospitalization – Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.
- Medical Expenses – Part B coinsurance (generally 20% of Medicare-approved expenses), or in the case of hospital outpatient department services under a prospective payment system, applicable copayments.
- Blood – First three pints of blood each year.
Humana Medicare Supplement Plans Comparison
Switching from a Medicare Advantage plan to a Medicare Supplement plan
- The
- The Annual Enrollment Period (AEP) between Oct. 15 and Dec. 7.
Once you’re enrolled in Original Medicare, you’re generally eligible to apply for a Medigap plan.
Note: In most cases, when you switch from Medicare Advantage to Original Medicare, you lose your “guaranteed-issue” rights for Medigap. You generally have guaranteed-issue rights for 6 months when you’re 65 or older and enrolled in Medicare Part B. Without guaranteed-issue rights, insurance companies may require medical underwriting before selling you a plan.
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