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What are the Benefits of Additional Coverage?
Which IBC Medicare Advantage plan is right for you?
Looking for more information?
Original Medicare does not pay all your health care costs. People who have only Medicare coverage pay a lot of money out of their own pockets for deductibles and coinsurance payments and services not covered by Medicare.
Here are some examples of costs you may have to pay if you have only Original Medicare Part A and Part B coverage.
- Routine exams and physicals are not generally covered by Medicare. You are responsible for the entire cost of these visits.
- Just one day in the hospital can cost you up to $912.
- Skilled nursing facility care is covered by Medicare Part A for up to 20 days. From day 21 to 100, you could be responsible for $114 per day.
- For medical expenses in or out of the hospital (medical and surgical services, physical therapy, diagnostic tests, and durable medical equipment), Medicare Part B requires a $110-per-year deductible. After the deductible, Medicare covers only 80% of approved charges.
With a Medicare Advantage managed-care plan from Independence Blue Cross, you are covered for more benefits and your out-of-pocket costs are minimal.
- For routine exams and physicals from your Primary Care Physician, you are responsible for only a small copayment.
- For skilled nursing facility care, you pay $25 per day from day 1 to 100.
- For medical expenses in or out of the hospital (medical and surgical services, physical therapy, diagnostic tests, and durable medical equipment), you will be responsible for just a reasonable copayment or no copayment at all.
How can you avoid the costs not paid by Medicare?
Independence Blue Cross offers three distinct health plans and a variety of options designed to fit your specific needs, wants, and budget. Comprehensive coverage is not only smart; it’s necessary.
For more information on how a Medicare Advantage managed-care plan from Independence Blue Cross compares with Medicare coverage, download the summary of benefits:
