What Does Medicare Part A Cover?
Medicare is a government-funded medical insurance program for elderly citizens. This program starts covering the medical costs of enrollees when after 65 years of age.
There are four parts of Medicare:
Medicare Part A,
Medicare Part B,
Medicare Part C, and
Medicare Part D.
The first of these parts are included in the package of Medicare Original. The term Medicare Original represents that fact that every citizen avails these packages under Medicare program and these coverage are not dependent on enrollees’ choice.
So, what does Medicare Part A cover?
Medicare Part A, which forms part of Medicare Original, covers different forms of medical care or patient care. More precisely, this Part covers:
Hospital stays’ inpatient care,
Skilled nursing facility care,
Skilled nursing facility care stays,
Hospice care, and
Medical care at home.
The answer to the question ‘what does Medicare Part A cover’ is not as straightforward as it appears. Although this part covers all the cost mentioned above there could be variations in the services included in these patient care services. A positive practice for the patients is to ask the relevant health care provider about the inclusion of desired care within the program.
Sometimes health care practitioners may assume certain costs to be out-of-pocket when you consider they included. In such circumstances, the care provider would ask you to sign an Advice Beneficiary Notice of Non-coverage which would give you written presentation of potential costs arising out of this non-coverage.
In addition to gaining knowledge from your practitioner, verifying your desired service’ inclusion in the Medicare program is also a suitable route. You can conduct this search by visiting Medicare’ s official website.
Determinants of Medicare Part A Coverage
Three parties define what should be covered in Medicare Part A. These parties include:
Federal and state laws,
Companies in different states which are responsible for processing Medicare claims.
Costs Associated with Medicare Part A
Another question, which is just as common as the inquiry ‘what does Medicare Part A cover?’ relates to the program’s costs. For most people, Medicare Part A comes free of a monthly premium. This privilege of premium-free Medicare Part A is available to those enrollees who have paid Medicare taxes for at least 10 years during the course of their employment. Furthermore, those enrollees who had not paid the mentioned taxes but their spouse did also receive the privilege.
Other enrollees who are eligible for premium-free Medicare Part A include:
Those senior citizens who get retirement benefits from Railroad Retirement Board or Social Security;
Those elder people who are eligible for benefits mentioned above but have not yet filed for attaining them; and
Those citizens who, or whose spouse, had Medicare-covered government employment.
The benefit of premium-free Medicare Part A is also available to those younger individuals given they meet certain conditions.
Either they are receiving Railroad Retirement Board or Social Security benefits for last 24 months.
Or they suffer from end-stage renal disease.
Those individuals who do not get premium-free Medicare Part A can enroll in the program by paying up to $437 per month. The actual amount of monthly premium depends on the number of quarters for which an enrollee has paid Medicare taxes. If these quarters are less than 30, the enrollee will pay $437 monthly premium. On the other hand, an enrollee who paid Medicare taxes for 30 to 39 quarters would pay $240 in monthly Medicare Part A premiums.