Quote:
Originally Posted by lostsoul62
Can anyone tell me how much it would cost me to go to the ER at a local hospital when I only have Medicare A & B? I'm a Vet so going to the ER at the VA doesn't cost me anything but I'm moving somewhere, I don't know where but I don't like the big city so I would like to move to a place that has an out outpatient VA clinic but if I have to go to the ER just how much would it cost me? I'm 69 years old so I don't want to go broke is I get sick? But going to the doctors won't cost me anything at a VA clinic.
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ER is considered outpatient. Medicare Part B pays 80% of outpatient services. You would be subject to the Part B $166 deductible and 20% copay.
https://www.medicare.gov/what-medica...utpatient.html
In other words, if the ER visit results in an overnight outpatient stay, Medicare allowed charge might be let's say worst case $5k, you pay $166 Part B deductible. Medicare then pays 80% of remaining $4,834,
you pay 20% of $4,834, or $
967, plus your Part B $166, or a total of $1,132. I'm guessing at the Medicare-allowed charge - which generally is very low.
If you are admitted to the hospital, you pay Part A deductible of $1,288, after that Medicare pays 100% for the first 60 days.
https://www.medicare.gov/your-medica...at-glance.html
We talked a while back with you on purchasing Medicare supplemental insurance. You might want to consider at least a high-deductible F plan - which limits the above costs to $2,180 per year. In other words, you would pay the deductible and copay cited above up to $2,180. After that the plan pays 100%. At your age in the south or southwest part of the US, you could buy this insurance for about $50/mo., possibly less.
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