There are two parts to Original Medicare- Part A and Part B. These make up Original Medicare as a portion of a Medicare Advantage plan. You can also sign up for Medicare Part A 2020 on its own, if you like.
Part A will cover you for inpatient expenses, such as hospital stays, nursing care services, and some at home care. Part A of Medicare is also known as hospital insurance, since most of its coverage has to do with hospital services. So, if you stay that the hospital to recover from surgery, if you use hospital supplies, such as IV fluids or bedding, or if you have to go to the hostile for therapy, all of that is usually included in Part A’s coverage.
Becoming Eligible for Part A
Not everyone will be able to get Part A coverage. It is typically reserved for people who are 65 years or older. If you collect benefits from Social Security, then you should be automatically eligible for Part A. Anyone with a disability or end-stage renal disease would qualify for Part A before they turn 65, so check with a Medicare agent or a healthcare insurance expert to find out about your eligibility, if you have any questions about it.
In order to qualify for Part A, you need to be a US citizen or have been a resident of the United States for at least five years. Part A eligibility may change depending on your medical condition. How much you have to pay for it, for the monthly premium in particular, will depend on how long you worked for. Your spouse’s work history can also factor in to keeping your premium costs low. If you would like to know more about how much the plan will cost, you can consult with a Medicare agent.
Part A’s Coverage
With Medicare Part A, you will be covered for some home health services and for most skilled nursing facility care. The nursing facility care is only covered if that custodial care isn’t the only kind of medical treatment that you require. Hospice care can also be covered under Part A, as well as inpatient care (also known as hospital care).
You should be aware that these items do not include deductibles, copayments and coinsurance costs. Those are expenses that you will need to pay for on your own. Or you could have them covered by a supplemental plan, such as Medigap. Some of those expenses will also be covered by Medicare Advantage, so there are a few ways that you can get those leftover expenses taken care of, if they are too much for you to pay on your own.
Part A provides some powerful, extensive coverage, but it leaves most people with a series of medical expenses to pay for that are related to Medicare Part A 2020. Make sure you know what you are responsible for before you sign up for any medical insurance plan, there may be more leftover expenses than you realize.
You should also be aware that some of these items of coverage will only be provided in certain instances. If you are not sure if you will be covered, then you can always ask your medical doctor before receiving any treatment. The doctor or healthcare facility should be able to provide you with coverage information and let you know how much you will be covered for and what you will have to pay. You can also talk to your insurance company or Medicare, designing on who you get your healthcare coverage from. You are entitled by law to be told what you are covered for and what you have to pay for one your own before any treatment is administered. This is your right as a Medicare subscriber.
Where Will You Be Covered?
Part A is designed to cover you at the hospital primarily. However, there are a lot of different medical care facilities, and you might be wondering which ones will provide you with cover and which ones will leave you to pay for expenses on your own.
Nursing care facilities, such as nursing homes, are covered under Part A, as are hospitals. Private room costs may not be covered, though, so make sure you know whether you will be covered or not before you agree to stay in a hospital room.
Part A may not cover certain expenses during your stay, even though it may cover the cost of the stay itself. For example, the cost of blood and personal care items are usually not covered under Part A. If blood is taken from a blood bank by the hospital, then you need to pay for the first three pints for each year. This is not necessary if the blood is donated to you by someone else.
Home health care services are only going to be covered by Part A if your doctor deems them to be medically necessary.
Clinics and therapy centers can be covered under Part A, as long as your doctor declares them to be medically necessary. That term “medically necessary” is very important when you are trying to figure out what will be covered and what will not. If the doctor doesn’t order a certain test or service, then you probably will not be covered for it, as your insurance will not consider it necessary. Any medical care that you decide you need outside of your doctor’s recommendations is probably something that you will need to pay for on your own, so take that into account as you try to make healthcare decisions for yourself.
You may be automatically enrolled in Medicare Part A 2020 once you meet the basic requirements. So after you turn 65, you could already be enrolled in this coverage plan and be notified about it from Medicare. You may not have to seek out Part A to sign up for, if you meet certain qualifying conditions. To find out more, please get in contact with us or with a Medicare agent.
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