If most of your healthcare dollars go toward hospital stays, you primarily take generic drugs and/or you live on a limited income, the Care Basic Plan may work best for you. The Care Basic Plan does not cover Medicare Part B services but provides coverage for Medicare Part A services (hospital stays). The monthly rate is more affordable, and prescription drug benefits are included in the plan with copays for generic and brand name preferred and non-preferred medications (the standard Medicare coverage gap applies).
2010 Monthly rate: $118
(per person, per month)
Part A Services
(as defined by Medicare) |
Medicare Pays |
Care Basic Plan Pays |
You Pay1 |
|
Hospital stays:
Semi-private room and board, general nursing and other hospital services and supplies |
- 100% days 1-60
- Costs over $275 a day for days
61-90
- Costs over $550 a day for days 91-150 (lifetime reserve days)
|
- 50% of the Part A deductible (for every benefit period)2
- $275/day for days
61-90
- $550/day for days 90-150 (lifetime reserve days); 100% after reserves are depleted
- All costs after 150 days
|
50% of the Part A deductible2 |
| Skilled nursing facility care |
- 100% days 1-20
- Costs over $137.50 a day for days 21-100
|
Not a covered benefit |
- $137.50/day for days 21-100
- 100% after
100 days |
Part B Services
(as defined by Medicare) |
Medicare Pays |
Care Basic Plan Pays |
You Pay1 |
|
Medical services and supplies:
Doctors' services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment and other services |
80% of Medicare-approved amounts for covered services |
Not a covered benefit |
- $155 (Part B deductible)3
- Remaining 20% of Medicare-approved amounts
|
| Diagnostic clinical laboratory service |
100% of Medicare-approved amounts for covered services |
Not a covered benefit |
Costs above Medicare-approved amounts or services not covered by Medicare |
Benefits effective January 1, 2010