Medicare Nation

How much would you pay out-of-pocket for a five day hospital stay on Medicare? The majority of people have no idea! The problem with Medicare is there is too much information. An overwhelming amount of information and not enough resources. Medicare Nation solves that problem by educating you on all things Medicare, because there are not enough resources out there! This podcast will educate you about the components of Medicare, the different categories of Medicare Plans and Medicare benefits. On other episodes I’ll interview expert guests in the health and wellness field, about diseases, Medicare issues and current changes to the Medicare program. Medicare Nation is dedicated to answering all your questions about Medicare. Expert information and insights regarding Medicare and you! Further information can be found on Don't Forget to SUBSCRIBE to the show! Give us feedback on Facebook!
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Now displaying: 2018
Nov 16, 2018

Hey Medicare Nation!

You are getting ready for Thanksgiving and you haven't even looked at Prescription Drug Plans for 2019.

Don't panic! 

I have your back :)

There are Prescription Drug Plan changes for 2019. 

Listen to this episode to learn about the NEW changes and make a confident decision to enroll in the Medicare Prescription Drug Plan that fits your unique needs.

Here is the link to the website as an additional resoure:

Have a question about Prescription Drug Plans for 2019?

Ask me!

If I can answer your question in ONE PARAGRAPH, I will!

If I need to do "any" type of research or the answer to your question is longer than ONE paragraph, you may have to hire me as a consultant.

I answer ALL emails personally. I'm the expert and I make sure you receive my expertise in answering your questions.

Send your questions to -


I look forward to hearing from you!

Happy Thanksgiving everyone!


Oct 13, 2018

Hey Medicare Nation!

It's October! Lots of changes going on in the Medicare landscape.

Social Security recently announced the 2019 COLA, and for those of you on Social Security and Social Security Disability, you will be receiving a 2.8% raise in your monthly check.

Social Security raise goes into effect January 1, 2019.

Social Securtiy Disbility goies into effect December 31, 2018.

Some more good news is.....the payroll taxes for Medicare & Social Security are staying the same in 2019. Yeah!!

The combined tax rate for Social Security & Medicare will remain at 7.65% in 2019 for employees.

The combined tax rate for Self Employed will also remain the same in 2019 at 15.30%

When Social Security authorizes a COLA raise, that is the signal that Medicare Part B Premiums may also rise.

For 2019, that's exactly what happened.

Let's take a look at the 2019 Medicare Premiums & Deductibles.

Medicare Part A

In 2019, the Medicare Part A Deductible for being an inpatient in the hospital is going up to $1,364.00 in 2019.

This means, you will have an out-of-pocket deductible when you are admitted to the hospital as an inpatient, whether you stay for one night or sixty consequative nights.

You will have to pay the $1,364.00 each time you are admitted to the hospital, unless you are readmitted to the hospital less than 60 days after you are discharged from the hospital and you are admitted for the exact same reason. 


A Skilled Nursing Facility (SNF) has 24hr Medical care and specializes in rehabilliation.

A person who had a stroke may be transferred to a SNF, to rehab the loss of sensation in a limb or to improve speech.

A person who recently had hip replacement surgery may be transferred to a SNF to strengthen their leg(s) and learn to walk with a proper gait.

Under Medicare, the first twenty days in a SNF is a benefit with no co-pay. If a person is required to stay day 21 and up to 100 consequative days, the co-pay will be $170.50 per day in 2019, under Medicare Part A.

Medicare Part B

Every person, who is a member of Medicare Part B has a monthly premium.

For those with an income below the Federal threshold, the Medicare Part B Premium is paid by that individual's State Medicaid Program.

For individuals on Medicare Part B, whose annual adjusted gross income is $85,000.00 or less, filing as a single taxpayer, the 2019 Medicare Part B monthly premium will be $135.50

Here is the chart for Medicare beneficiaries with a higher income, who will pay a higher Part B Premium Monthly.


Beneficiaries who file individual tax returns with income:
who make Less than or equal to $85,000             $135.50

Married, filing joint returns & make less than or equal to $170,000                                                          $135.50

Beneficiaries who file individual tax returns with income:
who make Greater than $85,000 and less than or equal to $107,000                                                          $189.60

Married, filing joint returns & make Greater than $170,000 and less than or equal to $214,000                     $189.60

Beneficiaries who file individual tax returns with income:
who make Greater than $107,000 and less than or equal to $133,500                                                         $270.90

Married, filing joint returns & make Greater than $214,000 and less than or equal to $267,000                    $270.90

Beneficiaries who file individual tax returns with income:
who make Greater than $133,500 and less than or equal to $160,000                                                         

Married, filing joint returns & make Greater than $267,000 and less than or equal to $320,000                    $352.20

Beneficiaries who file individual tax returns with income:
who make Greater than 
$160,000 and less than or equal to $500,000                                                         $433.40

Married, filing joint returns & make Greater than $320,000 and less than or equal to $750,000                     $433.40

Beneficiaries who file individual tax returns with income:
who make Greater than 
or equal to $500,000      $460.50

Married, filing joint returns & make Greater than $750,000


Medicare Part B Deductible

Medicare has an Annual Part B Deductible. 

In 2019, the Part B deductible is going up to $185.00.

After you pay your Part B deductible, you will then have to pay 20% of the Medicare Allowable for Part B services.

If you are on a Medicare Advantage Plan, you probably didn't even know you had a Part B Deductible. The majority of Medicare Advantage plans absorb the Part B Deductible into their plan. The Majority of Medicare beneficiaries on a Medicare Advantage Plan do not have a Medical deducatible on their plan. I always say......"You Pay as you go."

If you currently have a Medi-Gap Plan "F" or Plan "C", you also don't pay out of pocket for the Annual  Part B Deductible.

Things will change in 2020, for now.....everyone is good to go. 


The Medicare Annual Enrollment Period is here!

If you have a question......Email it to me!

If I can answer it in one paragraph....I will!

If I have to do ANY kind of research, or my answer requires more than one paragraph....then you may need to hire me to consult with you.

I presently charge $150.00 an hour for consulting on Medicare issues and comparisons.

I can help you with just about anything to do with Medicare.

I have vast knowledge in Medicare and I am very fair. 

Need help with Medicare? I can help you.

Send me an email to


Things are getting busy with Medicare. 

More updates will be coming soon!

Until then.....I want each of you to have a Happy, peaceful and prosperous week!

Diane Daniels

Aug 24, 2018

Hey Medicare Nation!

I have a special show for you today.

The FDA has issued a "Voluntary Recall" on Westminster Pharmaceuticals of all lots of their Levothyroxine and Liothyronine (Thyroid Tablets).

Westminster Pharmaceuticals, LLC, which has its Corporate HQ in Tampa, Florida, is voluntarily recalling all lots, within the expiration date, of Levo-thyroxine and Lio-thyronine (Thyroid Tablets) dosages of 15 mg, 30 mg, 60 mg, 90 mg, & 120 mg up to the wholesale level.

These products are being recalled by Westminster Pharmaceuticals as a precaution, because they were manufactured using active pharmaceutical ingredients that were sourced, prior to the FDA’s “Import Alert”  of Sichuan Friendly Pharmaceutical Co., Ltd., which is out of China.  

The Recall comes as a result of a 2017 inspection where deficiencies were found with “Current Good Manufacturing Practices” (cGMP). Substandard cGMP practices…..could represent……the possibility of risk….. being introduced into the manufacturing process.

To date, Westminster Pharmaceuticals has not received any reports of adverse events related to this product.

Levothyroxine and Liothyronine (thyroid tablets, USP) for oral use is a natural preparation derived from porcine thyroid glands. Thyroid tablets contain both tetra-io-do-thyronine sodium (T4 levothyroxine) and lio-thy-ronine sodium (T3 liothyronine).

Levothyroxine and Liothyronine tablets (thyroid tablets, USP) are indicated as replacement or  supplemental therapy in patients with hypothyroidism.

Because these products may be used in the treatment of serious medical conditions, patients taking the recalled medicines should continue taking their medicine until they have a replacement product.

According to the U.S. Food & Drug Administration Report.....

[8/17/2018] FDA is alerting active pharmaceutical ingredient (API) repackagers and distributors, finished drug manufacturers, and compounders that Sichuan Friendly Pharmaceutical Co. Limited, China, is recalling certain lots of porcine thyroid API due to inconsistent quality of the API. FDA recommends that manufacturers and compounders not use Sichuan Friendly’s porcine thyroid API received since August 2015. This thyroid API comes from porcine (pig) thyroid glands and is used to make a non-FDA approved  drug product, composed of levothyroxine and liothyronine, to treat hypothyroidism (underactive thyroid).

FDA laboratory testing confirmed the Sichuan Friendly API has inconsistent levels of the active ingredients – levothyroxine and liothyronine – and should not be used to manufacture or compound drugs for patient use. Risks associated with over or under treatment of hypothyroidism could result in permanent or life-threatening adverse health consequences.

These lots were distributed nationwide in the USA to Westminster’s direct accounts.

These lots were distributed nationwide in the USA 

NDC Product Lot Expiration
69367-159-04 Levothyroxine and Liothyronine (Thyroid Tablets, USP) 15mg X 100ct 15918VP03 2/29/2020
15918VP02 2/29/2020
15918VP01 2/29/2020
15918007 3/31/2020
15918006 3/31/2020
15918005 2/29/2020
15918004 12/31/2019
15918003 12/31/2019
15918002 12/31/2019
15918001 12/31/2019
15917VP03 10/31/2019
15917VP02 10/31/2019
15917VP01 10/31/2019

Levothyroxine and Liothyronine (Thyroid Tablets, USP) 30mg X 100ct

15517VP01 8/31/2019
15517VP02 8/31/2019
15517VP03 8/31/2019
15518001 12/31/2019
15518002 3/31/2020
69367-156-04 Levothyroxine and Liothyronine (Thyroid Tablets, USP) 60mg X 100ct 15618011 3/31/2020
15618009 2/29/2020
15618008 2/29/2020
15618004 12/31/2019
15618002 12/31/2019
15617VP06 11/30/2019
15617VP05 11/30/2019
15617VP04 12/31/2019
15617VP03 7/31/2019
15617VP01 7/31/2019
15617VP-02 7/31/2019
69367-157-04 Levothyroxine and Liothyronine (Thyroid Tablets, USP) 90mg X 100ct 15717VP-01 7/31/2019
15717VP-02 7/31/2019
15717VP-03 7/31/2019
15718004 3/31/2020
15717002 12/31/2019
69367-158-04 Levothyroxine and Liothyronine (Thyroid Tablets, USP) 120mg X 100ct 15817VP-01 9/30/2019
15817VP-02 9/30/2019
15817VP-03 9/30/2019
15818001 3/31/2020

Westminster is notifying its direct accounts by email and by phone to immediately discontinue distribution of the product being recalled.

The FDA Advises Consumers who have the recalled products, should not discontinue use before contacting their physician for further guidance.

There are several manufacturers who make “generic” Levothyroxine and Liothyronine (thyroid tablets) that your doctor can give you a new prescription for.  Call the Pharmacy where you receive your Levothyroxine or Liothyronine, and ask the pharmacist who the manufacturer of their supply is. They should be able to easily tell you that.

Customers and patients with medical-related questions, information about an adverse event or other questions about the Westminster’s product’s being recalled……. should contact Westminster’s Regulatory Affairs department by phone at: 888-354-9939 ….. Live calls are received Monday-Friday, 9:00AM - 5:00PM EST with voicemail available 24 hours/day, 7 days/week

or you can send an email to

Adverse reactions or quality problems experienced with the use of this product may be reported to the FDA's MedWatch Adverse Event Reporting program either online… regular mail……or by fax.

To Complete and submit the report Online…....just “click” on the link & it will take you directly to the FDA MedWatch Page.

FDA Med Watch Page


If you’d like to report Adverse Reactions or quality problems by Mail or Fax: Download form 

Med Watch Reporting Form

or call 1-800-332-1088 to request a reporting form, then complete and return to the address on the pre-addressed form……or…….submit by

Fax to 1-800-FDA- 0178


It’s almost the Annual Enrollment Period!

Beginning Monday, October 15th through Friday, December 7th, many of you will be able to switch Medicare Advantage Plans, Switch Medicare Prescription Drug Plans or return to Original Medicare, with the majority of you having NEW effective dates of January 1, 2019.

There are MANY Changes coming to Medicare for 2019, so I will be busy Posting Changes for you Starting the Week of October 1st.

Medicare Nation, will be going back to a “weekly” episode during the Annual Enrollment Period, so that I can bring to you the most up-to-date information I can.

Remember, I am here to answer ANY Medicare question you have, as long as I can answer your question in ONE paragraph.

If I need to “research” anything or…..if it takes me more than one paragraph to answer your question, I will advise you that you can contact me to help you with your Medicare needs by hiring me to “consult” with you about your Medicare needs.

Many of you contacted me last Medicare Annual Enrollment Period for consultations and I am here again to assist you or your parent’s Medicare Questions or concerns.

Need help choosing a Medicare Advantage Plan or Prescription Drug Plan where you live? I can help you with that.

Need help comparing your employer insurance plan benefits to a Medicare plan?

I can help you with that too.

Contact me by email at or call the toll free number 855-855-7266 and tell me how I can help you with your Medicare Needs.


If you like Medicare Nation, I’d love for you to give Medicare Nation an honest Rating and Review on Apple Podcasts.  

How to leave an iTunes rating or review for a podcast from your iPhone or iPad

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If you have an ANDROID phone… up your “Stitcher” App or Download the Stitcher App from your Google Play App.

OR……just go to ……. subscribe on

When the page opens, just type in Medicare Nation into the field. Hit enter and voila!

Click on the Medicare Nation Full LOGO and “click” Subscribe on Android.

That’s it! Folks You now will receive my up to date Medicare Weekly episode to get you through the AEP


Thanks for listening to Medicare Nation! I appreciate it.

Until next time….I want each of you to have a …..Happy, Healthy and Prosperous Week!




Jun 22, 2018

Hey Medicare Nation!

Medicare Nation

The topic of Medical Marijuana is BOOMING!

I had to bring back Dr. Rachna Patel to update us on what's going on in the Medical Marijuana Community.

Currently, there are 9 States, plus the District of Columbia (DC), that have "Legalized" the "Recreational" use of Marijuana.

The 9 States are:

1. Alaska

2. California

3. Colorado

4. D.C.

5. Massachusetts

6. Nevada

7. Oregon

8. Vermont

9. Washington

Twenty-Nine (29) States, have Legalized Medical Marijuana usage.

The 29 States are:

1. Alaska

2. Arizona

3. Arkansas

4. California

5. Colorado

6. Connecticut

7. Delaware

8. Florida

9. Hawaii

10. Illinois

11. Maine

12. Maryland

13. Massachusetts

14. Michigan

15. Minnesota

16. Montana

17. Nevada

18. New Hampshire

19. New Jersey

20. New Mexico

21. New York

22. North Dakota

23. Ohio

24. Oregon

25. Pennsylvania

26. Rhode Island

27. Vermont

28. Washington

29. Washington D.C.

30. West Virginia


Dr. Patel commonly treats patient with the following conditions for Medical Marijuana:

1.  Chronic Pain - especially patients with Fibromyalgia, Arthrittis, Back Pain, Migraines, Neuropothy

2. Anxiety

3. Insomnia

Dr. Patel is consulting with patients across the U.S. to help guide patients step-by-step on the usage of Medical Marijuana.

You can reach Dr. Patel by going to her website,

You can also go to her Facebook page,

Here's her YouTube Channel with GREAT videos!

The Medical Marijuana Expert - Dr. Rachna Patel

Thanks for listening to Medicare Nation!

If you find my content interesting, please give us a Review on Apple Podcasts!


May 25, 2018

Hey Medicare Nation!

Millions of people are diagnosed with "Foot Drop."

Some people also call it......"Drop Foot."

Help A Child or Adult Walk Again!

Either way, Foot Drop is a serious matter!

Foot Drop is a weakness or paralysis of the muscles involved in lifting the front part of the foot, necessary for walking. Foot Drop causes a person to drag the foot and toes, or engage in a high-stepping walk called a steppage gait.

Foot Drop Increases the risk of falling.


Who Can Be Diagnosed With Foot Drop?

Men or Women, at any age.

What are some causes of Foot Drop?

Multiple Sclerosis, Cerebral Paulsy, Stroke, Traumatic Brain Injurey, Spinal Cord Injuries, and other injuries to the Peroneal Nerve in the leg. 

Viruses can cause Foot Drop as well as other infections.

Injuries to the leg and/or the lower back can also cause Foot Drop.

What is a WalkAide?

A WalkAide is a Functional Electrical Stimulation Device, when wore on the calf, sends electric impulses to the affected foot causing the foot and leg to lift. 

Where Can I get information on WalkAides?

Go to the Hanger Clinic website:

Are Other Types of FES Devices Available?

Yes. The Bioness L300 is also available. Go to the Bioness Website for more information.

Who are the Freedom to Walk Foundation?

The Freedom to Walk Foundation is a 5019c)3 non-profit, dedicated to assisting with funds for the purchases of WalkAides for children AND Adults diagnosed with Foot Drop due to:

* Multiple Sclerosis

*Cerebral Palsy

* Stroke

* Incomplete Spinal Cord Injury

* Traumatic Brain Injury

If you want more information about the Freedom to Walk Foundation, go to their website:

Go To 6th Annual Freedom to Walk Foundation GALA

6th Annual Gala Freedom To Walk Foundation

Apr 13, 2018

Hey Medicare Nation!

Do you know what "Drop Foot" is?

Foot Drop is a weakness or paralysis of the muscles involved in lifting the front part of the foot necessary for walking.

It causes a person to drag the foot and toes, or engage in a high-stepping walk called a "steppage gait."

This increases the risk of falling for individuals. 

There are about 70,000 people diagnosed with Food Drop in the State of Florida alone!

I have teamed up with the Freedom to Walk Foundation, to assist them in raising funds for the purchase of WalkAides.

WalkAides are electronic stimulating devices when worn on the calf, sends electric impulses to the affected foot, causing the muscles to contract and lift the foot and leg.

Children and adults are WALKING agian with the help of WalkAides!

The one major problem, is that most medical insurance companies don't cover WalkAides.

Medicare will only cover WalkAides for those diagnosed with "Incomplete Spinal Cord Injury."

Those diagnosed with Multiple Sclerosis, Cerebal Palsy, stroke, traumatic brain injuries and complete spinal cord injuries, are not covered by most insurance companies.

How can you help?

A WalkAide costs $5,000 to purchase.

A $5.00 or more donation to the Freedom to Walk Foundation will help children and adults purchase WalkAides.

Please be considerate and donate with your heart!

Thank You!

NEW MEDICARE CARDS are being mailed now.

Your New Medicare Cards…….which are now called “Medicare Beneficiary Identifier” or MBI……have started mailing!

  1. People who are enrolling in Medicare for the first time will be among the first in the country to receive the new cards.
  2. Your new card will automatically come to you. You don't need to do anything as long as your address is up to date. If you need to update your address, visit and sign up for MySocialSecurity Account.
  3. Once you get your new Medicare card, destroy your old Medicare card and start using your new card right away.

Current States Receiving New Medicare Cards




Washington D.C.   AND…..

West Virginia

Want to know when YOUR card has been mailed?

Go to

Enter your email to receive an email when your new Medicare Card is mailed to you.

What do the New Medicare Cards Look Like?

Across the top of the New Medicare Card will read…..Medicare Health Insurance….in “white” letters inside a blue border. There is also an image of an Eagle in white outline.

Your Name will appear on the next line.

The next line will be the NEW set of Characters.

The New Card will have  “11 Characters – both numbers and letters of the alphabet.

All Letters will be Capitalized and spot # 2, 5, 8 & 9 on your card, will ALWAYS be a Letter of the alphabet.


Finally, you’ll see Your effective date of your Part A of Medicare……..

And you’ll see Your effective date of Part B if you enrolled in Medicare Part B.

Here are things to know about your new Medicare card

  1. Your new card will automatically be mailed to you. You don’t have to do anything as long as your address is up to date.

If you need to update your address, go to  and enroll in a My Social Security Account. 

  1. Your Medicare coverage and benefits will stay the same.
  2. Your card may arrive at a different time than your friend’s or neighbor’s. Medicare is mailing over 60 million New Cards. CMS says they will have completed the mailing by April of 2019. We’ll see if that’s true!
  3. Once you get your new Medicare card, destroy your old Medicare card and start using your new card right away.
  4. If you’re in a Medicare Advantage Plan (like an HMO or PPO), your Medicare Advantage Plan ID card is your main card for Medicare—Use your Medicare Advantage Plan ID Card whenever you need care.

And, if you have a separate Medicare precrption drug plan, be sure to keep that ID card as well.  

  1. Doctors, other health care providers and facilities know it’s coming and will ask for your new Medicare card when you need care, so carry it with you.
  2. Only give your new Medicare Number to doctors, pharmacists, other health care providers, your insurers, or people you trust to work with Medicare
  3. If you forget your new card, you, your doctor or other health care provider may be able to look up your Medicare Number online.

And….until January 2020, health care providers may use your New Medicare Card or your Social Security number to process claims.


Be Careful!

Scammers are out there  trying to steal your identity!

Medicare will NEVER call you and ask for Personal Information!

The Government can’t even process Medicare Advantage Plan Changes timely…….they certainly don’t have the staff or the time to call Medicare Beneficiaries. So DON”T trust ANYONE who calls and says they are calling you from Medicare.

Your Insurance Agent, Medicare Advisor or a representative from your Medicare Advantage Plan or Medicare Prescription Drug Plan will call you …..WITH YOUR PERMISSION!


If someone calls and says they are calling about your New Medicare card…..



If someone calls and says they are from your Medicare Advantage Plan….

Ask them a few questions to make sure they are legit.

Ask them these questions:


  1. How much is my current premium for my Medicare Plan?

If they are from your Medicare Insurance Plan….they should know the answer!


  1. Ask them who your Primary Doctor is.

Again……they should have that information documented.


  1. Finally……if you are still unsure of who you are talking to…..HANG UP!

Call the customer service number on the back of your Medicare Insurance Plan card and when a representative answers……ask them if they just contacted you.



Feb 2, 2018

Hey Medicare Nation!

Special Election Period Extended through March 31, 2018 for Medicare Beneficiaries Affected by California Wildfires.

The Centers for Medicare & Medicaid Services (CMS) has extended the Special Election Period (SEP) for Medicare Beneficiaries affected by the California Wildfires to March 31, 2018.

Any Medicaer Beneficiary who resides in, or resided in an area for which the Federal Emergency Management Agency (FEMA) declared a disaster area is eligible for the SEP......if......the beneficiary was unable to enroll in a Medicare Advantage Plan or stand-alone-prescription drug plan, during the annual enrollment period (AEP) or other qualifying election period.

Also....if you don't live in the affected counties of California, but you receive assistance from someone living in one of the affected areas that was declared a disaster area, you are eligible for the SEP.

You can call Medicare at 800-633-4227, or you can contact a Medicare Advisor or Medicare Consultant to assist you in finding a plan that will suit your unique needs.

How do you find a Medicare Advisor or Medicare Consultant like me?

Google it!

Type in ......Medicare Consultant Los Angeles California....or Medicare Advisor San Francisco California.

After you get beyond the "ADS" by all the paid will start seeing results for what you asked for.

So here are the COUNTIES  in California affected by the WildFires, which have a SEP:



Los Angeles






San Diego

Santa Barbara




and Yuba.

You can also go to the FEMA website and read more infomation at:

Any questions? Have a special guest you'd like to hear on Medicare Nation?

Send Diane an email to -

Need help with Medicare......Contact Diane and she will schedule a call with you to determine your needs.

Send your request to

Have a Happy, Peaceful and Prosperous Week!


Jan 19, 2018

Hey Medicare Nation!

It's January 2018!

I hope everyone made informed decisions regarding your Medicare Advantage Plans for 2018.

If you missed the last episode, go back and listen to it!

I discussed the Medicare Premiums, co-pays and co-insurance for 2018.

Many of you have sent me emails "asking me" if you can change your Medicare Advantage Plan in January.

The answer is......yes....with specific guidelines.

Currently, it is the Medicare Advantage Plan "Disenrollment Period."

The current Disenrollment Period runs from January 1st through February 14th each year.

During this time, you can "drop" your Medicare Advantage Plan and go back onto Original Medicare.

You do this by contacting MEDICARE by phone     800-633-4227.....and telling the Medicare representative that you would like to "Disenroll from your Medicare Advantage Plan" to go back onto Original Medicare. Medicare may also help you with a Part D prescription Drug Plan if you'd like.

On Original Medicare, you are covered under Part A and Part B of Medicare. 

Under Part are covered for Medicare benefits where you would stay at a location as an "inpatient."

The most common location is .....The Hospital. Another location where you stay overnight as an inpatient is....a Skilled Nursing Facility (SNF).

A SNF is NOT a Nursing Home. An SNF is a location where you are admitted as an inpatient to receive medical care and rehab 24hrs a day.

Also..... if you are diagnosed with a terminal illness, your doctor may suggest you enter Hospice as an inpatient. 

All the services covered in the Hospital, SNF and Hospice are covered under Part A of Medicare.

There is a "Deductible" each time you are admitted to the Hospital. The Deductible cost for being admitted as an inpatient in the hospital is $1,340.00 in 2018. The Deductible is due EACH benefit period you are admitted.

Part B of Medicare is for "Outpatient Services."

Benefits under Medicare for Outpatient Services covered under Part B include, but not limited to:

* Doctor Vists

* MRI's

* Laboratory Blood Draws

* Outpatient Same Day Surgery 

* Oxygen in your home

There is an "Annual Deductible" for Part B of $183.00.

After you pay your $183.00 annual deductible, you will be responsible for the remaining 20% Medicare Allowable Charges for services under Part B.

What does that mean? 

Let's say you already visited your Cardiologist and had bloodwork drawn at Quest or Labcorp.

We'll say your out-of-pocket costs for both cost a total of $183.00.

That takes care of your annual Part B deductible for 2018.

Now....let's say three months need to have an MRI. We'll say the Medicare allowable cost is $1,500.00.

Medicare Part B covers 80% of the $1,500.00, which is $1,200.00.

You will be responsible for the remaining 20%, which is $300.00.

You will pay 20% of ALL Part B Medicare Allowable Charges. There is NO Cap!

You may also need Prescription Drug Coverage.

Prescription Drugs are NOT covered under Part A or Part B in general. Prescription Drugs will be covered while you are admitted to one of the facilities under Part A. 

If you want Prescription Drug coverage, you WILL need to enroll in a stand-alone-prescription-drug-plan.

You can find which Prescription Drug Plan (PDP) is available in your area, by going onto the website and "hover" over the FIRST Blue Box named "Sign Up/Change Plans."

A column will appear and go down to where it reads..."Find Health & Drug Plans."

"Click" on that box and it will bring you to the Medicare Plan Finder site.

Type in your zipcode and follow the instructions.


If you are comfortable with the costs associated with Original Medicare Parts A & Part B.....then that's all you need to do.

If you'd like to add additional coverage to protect you against the on-going out-of-pocket costs associated with Original Medicare, you can purchase a Medicare Supplement (a.k.a. Medi-Gap) Plan.

A Medicare Supplement Plan is an Insurance Policy, where you pay the insurance carrier a monthly premium and the plan will pay Medicare out-of-pocket costs that you have pre-determined.

Medicare Supplement Plans "VARY" in coverage and in premiums.

The "Medicare Benefits" they pay for you, are the SAME, no matter where you live in the U.S.

So.....if you chose a Supplement Plan "F," which is the policy which pays ALL your out-of-pocket costs for Medically Necessary services under Medicare, and you live in Seattle, will be covered for the EXACT SAME Medicare benefits as a person living in Tampa, FL.

What is different you ask?

The difference is in the PREMIUM you pay.

Insurance Carriers that offer Medicare Supplement Policies charge DIFFERENT  Premiums!

You NEED to know what the difference in Premiums are by EACH Insurance Carrier for the SAME TYPE OF PLAN.

Here's an example:

Mary is turning 65 in March of 2018. Mary has a history of heart problems and would like to remain on Original Medicare and purchase a Medicare Supplement Plan "F" so that she can see ANY Cardiologist that is contracted with Medicare.... in ANY State. 

Mary also wants to have a budget for her out-of-pocket health costs and having a Medicare Supplement "F" plan will allow her to do that.

Mary lives in Miami, FL and calls her Medicare Specialist Diane.

Mary discusses purchasing a Medicare Supplement with Diane and asks for her expertise and guidance.

Diane tells Mary that the 3 lowest premiums in her zipcode have the following montly premiums:

1. $239.00 From Acme Insurance Co.

2. $250.00 From Beta Insurance Co.


3. $275.00 From Delta Insurance Co.

These premiums are for the EXACT same Plan with the SAME benefits!

Why would you pay Delta insurance company $275.00 a month, when you can pay Acme Insurance Company $36.00 a month less....for the SAME benefits!

That's why it's soooo important to speak with a Medicare Specialist or Medicare Consultant like myself.

I speak MEDICARE! I care about YOUR best interests! I have NO loyalties to ANY Insurance Company! 

You can also STAY on the Medicare Advantage Plan you are enrolled in.

Do your Due Dilligenct to ensure you are doing what's best for your health and out of pocket costs for 2018.


I'm hear to help you if you need me!

You can contact me by email at

You can contact me by phone: 855-855-7266.

I will even answer your question by email if I can answer it in ONE paragraph!

If I have to do any kind of research, you need to hire me as your consultant.

My time is valuable and I want to do what's best for you!

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