Medicare Part A
"Hospital Insurance"
What Is Medicare Part A?
Medicare Part A will help pay for the care that you receive while you are in the hospital, in a skilled nursing facility, nursing home care (inpatient care in a skilled nursing facility that's not custodial or long-term care), hospice care, and home health care. With this plan you typically will not pay a monthly premium, but you will have an annual deducible to meet before Medicare will help pay your claims. Either you or your spouse must have paid into Medicare taxes for a certain period of time while working. This is generally referred to as the "Premium-Free Part A."
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Medicare Part A covers expenses such as meals, prescription drugs, use of medical supplies and equipment, lab tests, and x-rays while receiving care. With Part A, It is important to note that while most people do not pay a monthly premium for this plan, some beneficiaries do.
If you have any questions in regards to this plan, do not hesitate to reach out to me via phone, email, or fill out the form on this site. I would be happy to assist you with the plan you feel best fits your needs.
Medicare Part A Covers The Following:
Inpatient Hospital Care: This is the care that you receive after a physician formally admits you to a hospital. With this care, you will be covered for up to 90 days in each benefit period. You also have 60 lifetime reserve days you are eligible to use if needed. If you need to stay in a Medicare-certified psychiatrics hospital, then Medicare will also cover up to 190 lifetime days of that stay.
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Skilled Nursing Facility (SNF) Care: With this particular care, you are covered up to 100 days within each benefit period if you qualify for coverage. Your Medicare benefits cover things such as: room, board, administration of medications, tube feedings, and wound cares if needed. One important thing to note with this particular portion of the insurance is that to qualify, you must have spent 3 consecutive days as a patient within a hospital. Also, no longer then 30 days prior to the admission to the SNF along with an order from a physician requesting the need of skilled nursing or therapy services.
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Home Health Care: If you are homebound and need care, then Medicare will cover services within your home. With this service, you are covered for up to 100 days of daily care. Should you need intermittent care, you would receive an unlimited amount of days. It is important to note that in order to qualify you must have spent at least 3 consecutive days in a hospital as a patient, and no longer then 14 days prior to needing home health care.
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Hospice Care: With this care, you are covered for as long as needed if your provider certifies you need care. With this service, you may elect to receive it if your provider determines you are terminally ill. Periodic assessments for requalification are required.
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One thing to note with Medicare is that they do not usually pay the full cost of necessary cares even when ordered by your physician. What this means, is that you will likely have some costs associated with any of the above. You could be responsible for costs such as: Deductibles, Coinsurances, and Copayments for Medicare-covered services.
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Please remember, that I am always here to help. If you choose me to be your insurance advisor, you will have exclusive contact to me via phone or email which is answered within 1 to 2 business days.
If you have any questions in regards to this plan, do not hesitate to reach out to me via phone, email, or fill out the form on this site. I would be happy to assist you with the plan you feel best fits your needs.