What is Part A of Medicare? Video explanation (Click HERE)
Part A of Medicare, or hospital insurance, covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.
Here’s a breakdown of what is covered under Part A:
- Inpatient hospital care: This includes a semi-private room, meals, general nursing, and other hospital services and supplies.
- Skilled nursing facility care: If you need to stay in a skilled nursing facility after a hospitalization, Medicare Part A covers up to 100 days of care.
- Hospice care: Medicare will cover hospice care if you have a terminal illness and a doctor has certified that you have six months or less to live. This includes nursing care, medical equipment and supplies, and counseling for you and your family.
- Home health care: If you are homebound and need skilled nursing care, physical therapy, occupational therapy, or speech-language pathology services, Medicare Part A may cover these services.
It’s important to note that while Medicare Part A covers many hospital-related expenses, it does not cover everything. For example, it does not cover long-term care, private-duty nursing, or most dental care. Additionally, there may be deductibles, coinsurance, and other out-of-pocket costs associated with Part A coverage.
Part A of Medicare typically starts the first day of your birth month. If you are born on the first of the month, you will start Part A one month early.
There is no monthly premium for Part A if you or your spouse has worked and paid into Medicare for at least ten years.
You will pay the following for Part A if you are hospitalized in 2023.
Days 1 through 60 = $1600 deductible (Can be paid multiple times per year)
Days 61 through 90 = $400 a day
Days 91 through 150 = $800 a day (once these days are used, they are gone forever)
After day 150, you are responsible for 100% of the hospital stay.
Part A also covers skilled nursing care. This is inpatient rehab after a hospital stay. Medicare will cover the first 20 days for free. Days 21-100 would cost you $200/day. After day 100, you will pay 100% of the cost.
As you can see, a simple hospital stay can cost you thousands in any given year.
Call me at 321-287-7331 or email ChazMulherin@gmail.com to find a plan to help cover these costs. There is no cost to you to use my services, ever.