Part A Medicare Basics

Today we will be jumping farther down the rabbit hole of original Medicare. There are two different parts of Medicare, Part A and B. We will start by explaining Part A.

Overall part A coverage

There is a deductible of $1,316 that generally covers hospital care, skilled nursing facility care, nursing home care, and hospice and home health services. The first sixty days in the hospital are covered except the previously mentioned deductible.

Coverage specifics

There are multiple different types of hospitals you can go to that are covered by Part A Medicare. These different hospital types covered by part A Medicare are as follows: acute care hospitals, critical access hospitals, and patient rehabilitation facilities. Along with hospital care, part A Medicare covers skilled nursing facility care. The specific coverage for skilled nursing facility care includes meals, skilled nursing care, medications, medical supplies and equipment, and medical social services. Eligibility for nursing home care is very strict and limited. The first requirement is that any patient must enter the nursing home no more than 30 days after a hospital stay, which lasted for at least 3 days.

More Specifics

The second condition is that the care provided in the nursing home must be for the same condition that caused hospitalization. Lastly, the patient must receive a “skilled” level of care in the nursing facility that cannot be provided at home or on an outpatient basis. What constitutes “skilled” is nursing care ordered by a physician and delivered by, or under the supervision, of a professional on a daily basis. These are the essentials of what Part A insurance covers.

Summary of part A

Part A is a lot simpler than people make it out to be. It covers the hospital, patient, hospice, and skilled nursing care. The most important thing to know is that Medicare is very simple and does a terrific job of what it is designed for. Medicare covers just about everything for the first 60 days in the hospital. Medicare does not pay the deductible, which is a per-occurrence deductible. This means it can be paid more than once per year depending on the number of days spent in the hospital.

Since insurance is oftentimes overwhelmingly confusing, we want to shed light on this industry by answering YOUR questions.  So if you have any questions or concerns, comment below and your question may be the topic of our next video!

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