The,Hidden,Costs,Medicare,2006 health The Hidden Costs of Medicare in 2006 - An Analysis
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Nearly one year after congress passed the Medicare andprescription drug plan, both sides are still debating itssupposed benefits, or detriments. Unfortunately, many of thepeople who will be affected by the Medicare changes still don'tknow where to turn.What follows is an initial analysis of what will happen January1, 2006.Our conclusion:Regardless of whatever else you're hearing, the Medicare Part "D"prescription drug plan has many loopholes that are harmful toseniors with low to moderate incomes.The Analysis:First, you will pay a monthly insurance premium of $35 per month,or $420 for the year.Secondly, the first $225 you spend will make up your deductible no help from MedicareThirdly, the next $2,000 in coats ($226 to $2,225) is 25% yourcost, 75% Medicare.Fourthly, and this is referred to as the donut hole, you have topay 100% again for all dollars spent between $2,225 and $5,100 no Medicare help.Lastly, any dollars spent for prescriptions above $5,100 in oneyear will be 5% yours, 95% from Medicare this is calledCatastrophic Coverage.Your 2006 Medicare Coverage Costs:Your Prescription Costs/What It'll Cost You/You Pay/You Save$225-------------------------$645-------------100%---$0$1,000-----------------------$839-------------84%----$161$1,500-----------------------$964-------------64%----$536$2,000-----------------------$1,089-----------55%----$911$3,000-----------------------$1,920-----------64%----$1,080$4,000-----------------------$2,920-----------73%----$1,080$5,000-----------------------$3,920-----------78%----$1,080Final Thought:Beginning January 1, 2006 your Medicare costs, as detailed in thenew plan passed by congress and the current administration, mayincrease significantly.We believe congress should have done better than this for ourseniors.Remember, it's only after you spend $5,100 in Medicare-coverhealthcare costs that the catastrophic support starts. Even then,you'd still be responsible for 5% of your costs.As it stands, it will take about $800 of prescriptions in a yearjust to break even! Then, your out-of-pocket expenses go down.However they come right back up once you hit the donut hole,where you pay 100% again.
The,Hidden,Costs,Medicare,2006