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Medicare Part A – Compare Medicare Plans

2018 Medicare Part A is a federal program that is also know as hospital insurance and it will cover hospice care, inpatient hospital stays, some home health care, and care in a skilled nursing facility. Even if Medicare will cover a item or service, you will generally have to pay your copayments, deductibles, and coinsurance.

Medicare Part A does not cover:

  • Routine foot care
  • Hearing aids and exams for fitting them
  • Most dental care
  • Cosmetic Surgery
  • Acupuncture
  • Long-term care
  • Eye examinations related to prescribing glasses

Services Covered under Medicare Part A:

  • Hospital Meals
  • Blood for transfusions in skilled nursing facility or hospital
  • Lab tests, radiation treatment as inpatient, and X-rays
  • Semi-private rooms
  • Care on special units, such as intensive care units
  • Drugs, medical supplies and medical equipment as an inpatient
  • Rehabilitation services, such as physical therapy received through home health care
  • Skilled health care in your home if you’re homebound and only need part-time care

Limits

Medicare Part A has limits such as if you are hospitalized for a very long time (more than 90 days at one time), there are limits on the number of days of Part A will help pay for. In the same way, there are limits to the number of days of care in skilled nursing facility which Part A will pay for. Private Medicare Part A will help pay for unlimited number of hospice care visits and home health care visits, however you must meet several conditions in order to receive either kind of help.

Providers

Under Medicare Part A beneficiaries may choose any qualified provider in the United States who are accepting new patients or is accepted by Medicare. Because Medicare Part A will offer the same benefits throughout the Untied States, the beneficiary is not limited to a ceratin region or state for your health care needs.

Medicare Part A Costs

Under Medicare Part A beneficiaries usually do not have to pay monthly premiums for Medicare Part A coverage if your spouse or you have paid Medicare taxes while working. This is sometimes called premium-free Part A.

If you buy Part A, you will pay up to $426 each month but, most people will get a premium-free Part A. You will receive premium-free Part A at 65 if you meet the following requirements:

  • You or your spouse had Medicare-covered government employment
  • You already get retirement benefits from Social Security or the Railroad Retirement Board.
  • You’re eligible to get Social Security or Railroad benefits but haven’t filed for them yet.

If you are under 65, you can get premium-free Part A if:

  • You have End-Stage Renal Disease (ESRD) and meet certain requirements.
  • You got Social Security or Railroad Retirement Board disability benefits for 24 months.
  • In most cases, if a person chooses to purchase Part A, they must have Medicare Part B (Medical Insurance) and they must pay monthly premiums for both.

When will Coverage for Medicare Part A begin?

Coverage for Medicare Part A will start during the first 3 months of the initial Enrollment Period, your coverage will start the first day of your birthday month, unless your birthday is on the first day of the month. For example, if a person 65th birthday is on July 20, 2017 and they sign up for coverage in April, May, or June their coverage will begin on July 1st 2017. However, if your birthday is on the first day of a month then your coverage will begun the first day of the prior month. For example, if your 65th birthday is July 1, 2017 and you sign up for Medicare in March, April, or May your coverage will begun June 1, 2017.

 

Medicare Part A | Part A Costs | What does Medicare Part A Cost? | When will Coverage for Medicare Part A begin?

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