{"id":10,"date":"2013-08-02T06:44:08","date_gmt":"2013-08-02T06:44:08","guid":{"rendered":"https:\/\/whortonins.com\/healthandlife\/?page_id=10"},"modified":"2026-08-20T10:25:51","modified_gmt":"2026-08-20T16:25:51","slug":"medicare","status":"publish","type":"page","link":"https:\/\/www.whortonins.com\/healthandlife\/medicare\/","title":{"rendered":"Medicare"},"content":{"rendered":"

\"\"<\/a><\/p>\n<\/div>

Once you reach the annual out-of-pocket limit on either Plan K<\/strong> or Plan L<\/strong><\/em>, that plan will pay 100% of the Medicare co-payment, co-insurance and deductibles for the rest of the calendar year. The out-of-pocket limit does not include charges for any provider that exceeds Medicare-approved amounts, known as excess charges.<\/h4>\n

With Plan M<\/strong><\/em>, you pay 50% of the Part A<\/strong> deductible ($1,288 per benefit period), as well as the entire Part B<\/strong> deductible for the calendar year ($166).<\/h4>\n

Plan N<\/strong><\/em> pays all of the Part A<\/strong> deductible, and you pay the Part B deductible plus a $20 co-payment for some doctor appointments and a $50 co-payment for trips to the Emergency Room.<\/em><\/h4>\n

Part B<\/strong> Excess Charges can occur if a doctor doesn\u2019t accept Medicare\u2019s approved amount. Medicare will pay 80% of the amount it sets for specific doctor services. If Medicare pays 80% on a service it says should cost $100 and a doctor charges you $100, Medicare pays $80 and you owe $20. If the doctor charges you $120, however, Medicare will still pay $80 and you owe $40. Medigap Plan F and Plan G<\/strong> will take care of those excess charges for you.<\/h4>\n

Some plans may not be available in every state. Run an instant quote to see the plans in your area, or contact us to learn more about your available options.<\/h4>\n<\/div>
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