Medicare Part A

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Medicare Part A Insurance Plans

Medicare is similar to the health insurance coverage that you have with an employer or you take individually. It covers doctor visits, inpatient and outpatient hospital care, prescription drugs, lab tests, and even dental and vision. Medicare plan is broken out a little different so find a brief overview on each part of the Medicare.

Medicare Part A generally covers hospital services and supplies that are medically considered necessary for treating a disease, injury or health condition. It includes hospital services, skilled nursing facility care, hospice care and certain home healthcare services. However you should keep in mind that each covered benefit come with its own separate costs including deductibles, co-payments or coinsurance.

Medicare Part A or Hospital Insurance

Medicare Part A or hospital insurance is a basic insurance plan covering medical services that include inpatient hospitalization and skilled nursing care. Americans who are 65-years old or who are soon turning 65 and have contributed towards Social Security are offered with Medicare Part A plan at low or no cost.

Medicare Part A or Hospital Insurance is an insurance plan covering medical services like inpatient hospitalization and skilled nursing care. This plan is offered either free or at low cost to Americans who are 65-years old or are soon turning 65 and have contributed towards Social Security. Coverage of Medicare Part A includes inpatient care in a hospital, skilled nursing facility care, inpatient care in a skilled nursing facility, hospice care and home health care.

Cost of Medicare Part A

You can receive medicare Part A insurance at absolute no cost, if you or your spouse have worked at least ten years in any job where you paid Social Security taxes. However, you need to pay deductible amount of $1364. Besides, if you do not qualify for the medicare Part A plan at no cost then you need to pay a premium of $437 per month.

Medicare Part A health insurance is free for all such individuals who have themselves or their spouses have worked at least 10 years in any such job where they paid Social Security taxes, then they do not require to pay premium for Part A. Members who do not qualify for free Medicare Part A insurance need to pay a premium of $437 per month.

Medicare Part A Coverage

Medicare Part A coverage includes inpatient hospital care required for the treatment of your condition or injury including facilities like general hospital, long-term hospital care, acute care or critical access hospitals, rehabilitation facilities, psychiatric hospitals and inpatient services offered by a qualifying clinical research study. This plan pays about 80% of your approved inpatient cost for the first 60 days of your hospitalization and if you need to stay longer then you will pay a larger share of the costs. Medicare Part A coverage also includes semi-private room stays, meals, general nursing care, medications administered during your hospital stay and additional hospital services and supplies that are medically necessary. Some of the Medicare Part A coverage include:

  • Inpatient care in a hospital
  • Skilled nursing facility care
  • Inpatient care in a skilled nursing facility
  • Hospice care
  • Home health care

Medicare Part A Hospital Care Coverage

Medicare Part A beneficiary receive coverage for hospital expenses that are essential for your inpatient care like semi-private room, meals, nursing services, and medications that are part of your inpatient treatment along with other services and supplies that you received from the hospital. Hospital care coverage include:

  • Acute care hospitals
  • Critical access hospitals
  • Inpatient rehabilitation facilities
  • Long-term care hospitals
  • Mental Health care
  • Participation in a qualifying clinical research study

Medicare Part A hospital insurance does not cover the costs for a private room unless medically necessary, private duty nursing, personal care items like shampoo, razors or other extraneous charges like telephone and television.

Medicare Part A Home Health Care Benefits

Home health care services are covered under Medicare Part A when it is considered medically necessary and is suggested by your doctor. Some of the home health care services may include:

  • Physical therapy
  • Occupational therapy
  • Medical social services
  • Intermittent skilled nursing care
  • Speech-language pathology services
  • Medical equipment ordered by your doctor

However, this plan does not cover 24-hour home care, meals or homemaker services if these are not related with your treatment. It also does not cover personal care services like help while bathing and dressing, if this is the only required care for you. Private hospital rooms are not covered unless medically necessary and you will need to pay for the additional amenities like personal items and television. Medicare Part A doesn’t cover private-duty nursing.

Enrollment Period for Medicare Part A

You’re eligible to enroll in Medicare Part A during the 7-month period around your 65th birthday beginning three months before the month of your 65th birthday, your birth month, and up to three months after. This is called your Initial Enrollment Period. When you apply for Social Security benefits, you’re automatically enrolled in Medicare Part A.

Eligibility for Medicare Part A

You are eligible for Medicare Part A under following conditions:

  • If you are U.S. citizen 65 years of age or older or are permanent legal resident for at least five years in a row.
  • If you are receiving retirement benefits.
  • If you disabled and receiving disability benefits.
  • Patients having end-stage renal disease or have amyotrophic lateral sclerosis

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