Medicare Expenses
Arizona is a unique state with it’s own set of unique expenses, so we do not need more expenses piled on with health care and wellness management.
How much does Medicare cost in Arizona? How can we lower Medicare costs in Arizona? First learn about expenses and options you may have to lower them.
Let's Look At Some Medicare Expenses in Detail
The following are examples of out-of-pocket expenses under original Medicare:
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- Inpatient Hospital Care: For days 1-60, you pay an initial deductible of $1,260. For days 61-90, you pay $304 each day. For days 91-150 you pay $608 per day. You pay 100% thereafter.
- Skilled Nursing Facility: For days 1-20 you pay nothing. For days 21-100 you pay $152 per day. You pay 100% thereafter.
- Doctor Office Visits: After you pay your $147 annual deductible, you pay 20% of Medicare approved charges/amounts. If the doctor does not accept Medicare assignment as payment in full, you must pay an additional 15%.
- Chiropractic Services: You pay 20% of Medicare approved charges/amounts for manual manipulation of the spine. If the chiropractor does not accept Medicare assignment as payment in full, you must pay an additional 15%.
- Outpatient Surgery: You pay 20% of Medicare approved amounts for the doctor and the outpatient facility charges.
- Ambulance: You pay 20% of Medicare approved amounts.
- Emergency Care: You pay 20% of the facility charge and 20% of the emergency room physician charges.
- Diagnostic Tests, X-Rays and Lab Services: You pay 20% of Medicare approved amounts except for approved lab services.
- Prescription Drug Coverage: Coverage only happens through either a Medicare Advantage Plan or a Medicare Part D prescription plan. Options are complicated and potentially very high in cost.
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Original Medicare coverage without a Medicare Advantage Plan or Medicare Supplemental Plan (Medigap) can cost you a lot of additional out-of-pocket expenses.
With original Medicare only, there is no cap on your annual out of pocket exposure. Selecting another option other than original Medicare only is strongly recommended. See the numbers below.
Owed after an extended hospital stay of 150 days.
Owed after a hospital stay for 1 year.
We're Your Guide To Medicare Planning
At Adler Medicare, we are your locally trusted experts when it comes to explaining and reviewing Medicare Plans. In our office, we proudly support you with some of the most experienced agents evaluating our clients’ situations, so we are confident that we can recommend insurance coverage that will meet your needs and stay within your budget!