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Allsup Finds Healthcare Costs Consuming Larger Part of Fixed Incomes
Date:11/21/2008

employment.

·         Annual Deductible - Increase: Deductibles increase about 4.3 percent; this includes a $44 increase to $1,068 for inpatient hospital admittance; the deductible for each day of inpatient hospital care increases to $267 from $256 for days 61-90 and to $534 from $512 for days 91-150.

·         Other Considerations - Co-payments apply.

Part B

·         Monthly Premium - Unchanged: $96.40 for those with income of $85,000 or less or married couples with income of $170,000 or less. (In 2008, income levels were $82,000 and $164,000, respectively.)

·         Annual Deductible - Unchanged: $135; individuals are responsible for 20 percent of out-of-pocket expenses after the $135 deductible is met.    

·         Other Considerations: Acquiring Medigap insurance can help minimize expenses not covered; however this is not an option for people with disabilities because Medigap does not cover pre-existing conditions. Co-payments also apply.

Part D

·         Monthly Premium - Increase: Prescription drug premiums will increase an average of 12 percent to $28.        

·         Annual Deductible - Increase: The deductible increases 7.3 percent to $295 from $275.        

·         Other Considerations - Donut hole: The gap in coverage begins when prescription drug costs reach $2,700. The person then must pay 100 percent of his out-of-pocket costs for the next $1,650. Medicare coverage resumes after
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