Original Medicare plan
You are to know that even if you are covered by the Original Medicare plan, this plan does not cover all the medical expenses that you have during some period of time. So you need to have a Medicare Supplement Schedule so that you can cover all the expenses that are not covered by your insurance policy of your Original Medicare plan. So no we are going to discuss the situations when your Original Medicare policy does not work properly and does not cover your medical expenses, and also in what cases you need your Medigap policy. As you probably know there are twelve standard Medicare Supplement Plans, each providing their own advantages. But you should probably remember that these plans give you the basic advantages of the plan A and B.
Now let us speak about some of these situations that are not covered by the Original Medicare and for which you will need your Medicare Supplement Plans. First of all let us discuss the Medicare Part A plan. The Medicare Part A plan is also known as the Hospital insurance plan and it is also insures impatient hospital, skilled nursing facility, home health and hospice services. Medicare gives you the insurance for the first 60 days in full after the tax exemption is met. So the daily insurance payment for days 61 to 90 is $267 per day in 2009, as for days 91 to 150 which are called “lifetime reserve days”, it is $534. But if you stay in the hospital beyond 150 days because of some illness, your insurance policy does not pay for your Hospital services. And also there is a type of situation when there is a gap in Home Health nursing and aid services where a skilled care is no longer used.
As for the Medicare part B it can be called Supplementary Medical Insurance, which gives you different kinds of coverage for a great number of outpatient and physician services. This plan also pays for reliable medical equipment, prosthetic devices and also for ambulance conveyance. But nevertheless there are some gaps that are not covered by Part B. You are to know that every year tax exemption of $135 in 2009 must be approved before Medicare will pay for the covered services and activities. As for other gaps in the system, they are: Medicare pays 80% of the approved amount for all Part B services and activities, an amount that differs according to the services that are provided, but there is the rest of 20 % in the coverage. One more remark concerns itself with the point that a lot of doctors consume more than Medicare appreciated to charge as the kinds of expenses.
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