2009 Medicare premium rate & coinsurance

Medicare Premiums for 2009:
Part A: (Hospital Insurance) Premium
Most people do not pay a monthly Part A premium because they or a spouse has 40 or more quarters of Medicare-covered employment.
The Part A premium is $244.00 per month for people having 30-39 quarters of Medicare-covered employment.
The Part A premium is $443.00 per month for people who are not otherwise eligible for premium-free hospital insurance and have less than 30 quarters of Medicare-covered employment.
Part B: (Medical Insurance) Premium
$96.40 per month*
Medicare Deductible and Coinsurance Amounts for 2009:
Part A: (pays for inpatient hospital, skilled nursing facility, and some home health care) For each benefit period Medicare pays all covered costs except the Medicare Part A deductible (2009 = $1,068) during the first 60 days and coinsurance amounts for hospital stays that last beyond 60 days and no more than 150 days.
For each benefit period you pay:
A total of $1,068 for a hospital stay of 1-60 days.
$267 per day for days 61-90 of a hospital stay.
$534 per day for days 91-150 of a hospital stay (Lifetime Reserve Days).
All costs for each day beyond 150 days
Skilled Nursing Facility Coinsurance
$133.50 per day for days 21 through 100 each benefit period.
Part B: (covers Medicare eligible physician services, outpatient hospital services, certain home health services, durable medical equipment)
$135.00 per year. (Note: You pay 20% of the Medicare-approved amount for services after you meet the $135.00 deductible.)
Additional information about the Medicare premiums, deductibles, and coinsurance rates for 2009 is available in the September 19, 2008 Fact Sheet titled, "CMS Announces Medicare Premiums, Deductibles for 2009" on the http://www.medicare.gov/Library/ExternalSiteRedirector.asp?Language=English&URLPath=http://www.cms.hhs.gov/ website.
*Note: If your income is above $85,000 (single) or $170,000 (married couple), then your Medicare Part B premium may be higher than $96.40 per month. For additional details, see our FAQ titled: " Medicare Part B Monthly Premiums in 2009"

UnitedHealthcare Small Group & SecureHorizons meeting

I am grateful that I had joined today's meeting that hosted by UnitedHealthcare. It remind me that the premium is not the only criteria in chosing a right medical insurance plan, product quality and coverage are important as well.

Most of my customer are based on the premium to make their decision in purchasing health insurance, today, I would like to show to them the importance of a product quaulity.

For example, when you do the Lab or Xray with a UnitedHealthcase PPO plan there is no deductible, the Rehab services is covered by the co-pay, whic with other types of plan might had cost you. Moreover, there are NO balance billing for ER, Anesthesiology pathology and all other services.

UnitedHealthcare also introduce to us the SecureHorizons plan, which is $0 monthly premium HealthPlan for Senior ($0 monthly health plan premium available when you continue to pay your Part B premium ).

Thank you Rachel for this good news for us.

韓中芬保險事務所 母親節遊園會

韓中芬保險事務所
May 07, 2009 10:13 PM 102 觀看次數 0 0

韓中芬保險專家熱心為您服務。slideshow
「韓中芬保險事務所」於本周六、日(5月9、10日)參加世界日報所舉辦的母親節遊園會，攤位：M27，現場可以立即提供各種保險估價，以及免費參加抽獎大贈送活動，獎品包括：精美禮物及咖啡店禮券，歡迎蒞臨同樂、歡慶母親佳節。
該事務所專業保險專家韓中芬，特別推薦一種優惠的留美學生醫療保險計劃，可瀏覽 www.e-healthagent.com (中文)或www.joanchangins.net (英文)網站查看各種詳細、實用的保險資訊，也可在該網上購買自己想要的保險，省錢、簡單又方便。
「韓中芬保險事務」服務灣區逾十年，保險業務涵蓋廣泛，包括：人壽保險、個人健康保險、團體健康保險、汽車保險、房屋保險、團體健康保險、勞工保險、商業保險等等，並代理多家著名大型保險公司之投保業務，如：藍十字、藍盾、健康網、凱薩、聯合保險等，可代客戶迅速尋找到最適合的保險計劃。
如有各項保險問題或疑慮，可電510-573-6888，傳真：510-438-9047，通訊地址：P.O. Box 3566, Fremont CA 94539。

(2/17/09) 美國美國復甦與再投資法ARRA 可補助或延長您失業時的COBRA福利

失業的員工，雖然可以繼續購買前公司的健康保險COBRA或Cal-COBRA，但是員工得完全自行支付保險費，雇主不再分擔，因此COBRA健康保險成為失業員工一項沉 重的負擔。

好消息是，2009年2月17日奧巴馬總統簽署了美國美國復甦與再投資法(ARRA) ，其中包含了一項新的COBRA補助計劃，此計劃適用於65歲以下的失業員工。

新條款對於選擇COBRA健保的人提供以下改善的補助計畫: (1)從2008年9月1日到2009年12月31日之間失業的員工，在前9個月COBRA保費可享有65%的政府補助；(2)原先在離職60天內必須選擇加入或不加入COBRA的期限，現在已延長至120天；(3)假如因為60天內沒付保險費而失去COBRA保險，將可以有第二個60天的期限，選擇從新加入COBRA健保。

如您需要以上關於新的COBRA保險福利或相關健康保險，歡迎隨時洽詢灣區專業健康保險經紀人韓中芬。電話510-573-6888或請上e-healthagent.com

韓中芬 為你找到適合的保險

您最近準備到加州來留學？或已在美留學？弄不清楚如何投保醫療保險？「韓中芬保險事務所」特別推薦一種優惠的「留美學生醫療保險」計劃。可瀏覽「韓中芬保險事務所」網站http://plog.ipobar.com/insurance(中文)或www.joanchangins.net(英文)查看各種詳細、實用的保險資訊，亦可在該網上購買自己想要的保險，省錢、簡單又方便。

美國政府規定，留學生入學時需要購買醫療保險，該費用通常會包括在學校的學費跟生活費裡面，但是這種保險通常有一定的理賠範圍和理賠限額，有些疾病可能將無法獲得理賠。另外加買保障更完整的「留美學生醫療保險」(Study USA-HealthCare Insurance)計畫，提供疾病與意外傷害醫療費用保險，是涵蓋更周全的保障！此項醫療保險保費特廉：年齡24歲以內，每月39元起。適用於：(1)外國學生來美留學；(2)在美國註冊的學生到美國以外的國家留學。

「韓中芬保險事務所」服務灣區逾10年，保險業務涵蓋廣泛，包括：人壽保險、個人健康保險、汽車保險、房屋保險、團體健康保險、勞工保險、商業保險等等，該事務所代理多家著名大型保險公司之投保業務，如：藍十字、藍盾、健康網、凱薩、聯合保險等，可代客戶迅速尋找到最適合的保險計畫。

如果您已經在美國加州留學，對自己的保險有疑問，或有其他相關問題，可直接電話連絡：510-573-6888，傳真：510-438-9047，通訊地址：P.O. Box 3566, Fremont, CA 94539。