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
Basic benefits included in all Medicare Supplement plans include:
- 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
If you want to switch to Original Medicare and buy a Medigap policy, contact your Medicare Advantage Plan to see if you’re able to disenroll. If you’re able to disenroll and return to Original Medicare, you can only leave a Medicare Advantage plan during 2 enrollment periods:
- The
- The Annual Enrollment Period (AEP) between Oct. 15 and Dec. 7.
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