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Please be aware that I never share contact numbers or email addresses with anyone and all personal information is kept absolutely confidential.  No one will call you unless you ask to be called and the only person you would talk with is me.  Thanks for visiting.  Please let me know how I can help you.  John K Arnold

The Annual Open Enrollment Period is November 15th to December 31st for Medicare Advantage Plans.  The Annual Election Period runs from November 15 through December 31 each year.  During this time, AEP, Medicare beneficiaries may change prescription drug plans, change Medicare Advantage plans, return to original Medicare, or enroll in a Medicare Advantage plan for the first time.  Enrollment changes take effect on January 1.

News for people on underage Medicare disability.  

Starting October 1, 2009 Insurance Companies offering Medicare Supplement Plans in Florida must also offer the Medicare supplements to people on Medicare due to disability.   There is a limited open enrollment period.  Please contact me immediately for information on underage Medicare supplements so you can decide if that is best for you.  Please click on the button below to receive information on underage Medicare Supplement plans.  

I have information on underage 65 disability Medicare Supplement Plans available.

Medicare Supplement Information Request

Would you like information emailed to you on Medicare Advantage and/or Medicare Supplements and/or Medicare Part D Prescription Plans?  If so, please click the button below to make your request.  This is not a request for an appointment and only if you specifically ask will I call you.   By completing the form you are requesting that I email you information you requested.

Medicare Plan Information Request

The following is a listing of the Medicare premium, deductible, and coinsurance rates that will be in effect in 2009:

Medicare Premiums for 2010:

Part A: (Hospital Insurance) Premium

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Most people do not pay a monthly Part A premium because they or a spouse has 40 or more quarters of Medicare-covered employment.
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The Part A premium is $244.00 per month for people having 30-39 quarters of Medicare-covered employment.
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The Part A premium is $443.00 per month for people who are not otherwise eligible for premium-free hospital insurance and have less than 30 quarters of Medicare-covered employment.

Part B: (Medical Insurance) Premium

$96.40 per month*

Medicare Deductible and Coinsurance Amounts for 2009:

Part A: (pays for inpatient hospital, skilled nursing facility, and some home health care) For each benefit period Medicare pays all covered costs except the Medicare Part A deductible (2010 = $1,100) during the first 60 days and coinsurance amounts for hospital stays that last beyond 60 days and no more than 150 days.

For each benefit period you pay:

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A total of $1,100 for a hospital stay of 1-60 days.
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$275 per day for days 61-90 of a hospital stay.
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$550 per day for days 91-150 of a hospital stay (Lifetime Reserve Days).
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All costs for each day beyond 150 days

Skilled Nursing Facility Coinsurance

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$137.50 per day for days 21 through 100 each benefit period.

Part B: (covers Medicare eligible physician services, outpatient hospital services, certain home health services, durable medical equipment)

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$155.00 per year. (Note: You pay 20% of the Medicare-approved amount for services after you meet the $135.00 deductible.)

Medicare Benefit Chart for 2009

Part A Inpatient Benefits Services Covered by Medicare
   
Hospital Inpatient  
   
1st day to 60th day You pay $1100 hospital deductible per benefit period
   
61st day to 90th day You pay $275 per day
   
Beyond 90 days You pay $550 per day beyond 90 days on each
  of 60 lifetime days
   
Inpatient Psychiatric Hospital Care You pay $1100 hospital deductible per benefit period limited
  to 190 days lifetime maximum
Skilled Nursing Facility  
21st day to 100th day You pay $137.50 per day after 3 day hospital stay limit
When you are hospitalized for at least 3 days and enter a Medicare approved
skilled nursing facility within 30 days after
hospital discharge and receiving daily 
skilled nursing care		 limit 100 days per benefit period
   
Part B Medical Services Services Covered by Medicare
Physician services You pay a $155 annual deductible, a 20% coinsurance
including primary, and the remaining charges above the Medicare approved
specialist, podiatric, amount. Both the Medicare deductible and the
OB/GYN and chiropractic Medicare coinsurance are based on Medicare's
Surgical services approved amounts. The approved amount may be all.
including surgeon and of the bill, some portion of the bill or none of the bill
anesthesiologist  
Diagnostic services For example
including laboratory tests If you have medical services costing $1000
and x-rays (outpatient) Medicare then approves $600
PAP Smears and Mammography Medicare will pay 80% of the amount approved
Immunizations Medicare pays 80% of $600 or $480
(Flu and Hepatitis B) You would be responsible for $1000 less $480
Ambulance transportation You would owe $520 to the providers in this example
Emergency Room Services  
Therapy  
Physical, speech and  
occupational  
Durable medical equipment  
Psychiatric physician care  
Blood You pay for the first 3 pints of blood used each year
Transfusion of blood and blood unless you have paid for them as part of your hospital
components stay. For additional pints you pay 20% of the
  approved amount
Home Health Care Unlimited visits for up to 21 consecutive days
   
Services Not Covered Services Covered by Medicare
Routine Prescription drugs Oral Cancer and Immunosuppressive drugs covered Part B
Dental Services  
Routine Eye Exams  
Routine Hearing Exams  

Please call 1-888-592-0311 extension 702 or email for information on low cost Medicare supplements from our most popular carrier.

John K. Arnold Insurance, Inc
Florida Health Insurance
Group, Employee Benefits & Individual Health Insurance Specialist
Website Address  www.floridahealthinsurance.com
E-Mail: John K Arnold    

Phone: 407-592-0311
Phone: 888-592-0311 X 702
Fax:     407-386-7053
Skype:    john.k.arnold
Twitter:  fl_health_insur

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Please let me know how I can help you with Medicare supplements, Medicare Advantage, Medicare Part D Prescriptions plans, underage 65 Medicare disability and Disability Medicare supplements.  

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