As the name suggests, Part A is a part of original Medicare, a Government-sponsored health insurance program for those at the age of 65 or receiving the benefits of disability. People who qualify for Medicare are automatically enrolled in the program.
If you’re enrolled in part A, you can go to any hospital that accepts Medicare, including all acute hospitals. If you have paid social security benefits via an employer for about 10 years. You will not have to purchase a monthly premium for Part A.
If you or your spouse is a Government employee or retire and has paid Medicare payroll taxes while working. You can get premium-free part A. Though there is no monthly premium, you will have to pay a deductible to receive hospital care.
Now let’s come to the point of enrolling in Medicare Part A. If you’re already enjoying social security benefits, you will be automatically enrolled. Conversely, if you’re not receiving security benefits, contact social security before you reach 65.
What does Medicare Part A cover?
Are you ready to get Part A hospital benefits? Here is what you need to know about Part A. Medicare Part A is hospital insurance, and its coverage helps pay for things like;
- Inpatient hospital stays
- Skilled Nursing facility
- Home health care
- Hospice care
Let’s discuss these benefits one by one.
Inpatient Hospital coverage
It covers hospital expenses, including a semi-private room, nursing services, meals, and other services from the hospital. However, Medicare part A does not cover the costs of a private room, private-duty nursing, and other personal care items, including razors, shampoo, and more.
Blood costs don’t fall under part A. However, you don’t need to pay if the hospital gets it free from the blood bank. Otherwise, you will have to pay. Medicare Part A cover inpatient care through
- Inpatient rehabilitation facilities
- Acute care hospitals
- Long-term care hospitals
- Mental health care
- Critical access hospitals
Skilled Nursing Facility (SNF)
After qualifying for the inpatient hospital stay, you will be eligible for SNF. However, home nursing must be related to your illness or diagnosis during an inpatient hospital stay for at least 72 hours. You will not get SNF unless your doctor determines that SNF is necessary for your recovery. Medicare Part A SNF cover the costs of;
- Medications in SNF care
- Ambulance transportation
- Medical Equipment
- Semi-private room
- Dietary counselling
But part A does not cover long-term care and personal care.
Home Health Service
Medicare Part A covers the following home health services;
- Part-time care services like intermittent nursing skill
- Physical therapy or continued occupational therapy
- Speech-language pathology services
- Home health aide service
One thing more, part A does not coverer 1-day home care and other personal care services.
You will be eligible only for Hospice care if your doctor certifies that you are terminally ill and have six months or less to live. The patient will receive the benefits of Hospice care in their home, and services include;
- Pain relief and symptom-control prescription drugs
- Medical, support, doctor, and nursing services
- Grief counselling services
- Short-term respite care
- Physical and occupational therapy