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Understanding Medicare Part A Insurance

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Medicare Part A Provided By Our Agency

Medicare Part A, also known as hospital insurance, primarily covers costs associated with inpatient hospital stays, skilled nursing facility care, hospice care, and certain home healthcare services. It's important to note that this coverage typically involves out-of-pocket expenses such as deductibles, coinsurance, and copayments.

What is Medicare Part A Insurance?

Medicare Part A is intended for people 65 years of age or older, as well as those with end-stage renal disease (ESRD) and qualifying disabilities. Known as "hospital insurance," it helps cover expenses for inpatient hospital stays, hospice care, and some home healthcare services.

What Does Medicare Part A Insurance Cover?

Medicare Part A covers the following services:

  • Inpatient hospital care: This is care received after you are formally admitted into a hospital by a physician. You are covered for up to 90 days each benefit period in a general hospital, plus 60 lifetime reserve days. Medicare also covers up to 190 lifetime days in a Medicare-certified psychiatric hospital.
  • Skilled nursing facility (SNF) care: Medicare covers room, board, and a range of services provided in an SNF, including administration of medications, tube feedings, and wound care. You are covered for up to 100 days each benefit period if you qualify for coverage. To qualify, you must have spent at least three consecutive days as a hospital inpatient within 30 days of admission to the SNF, and need skilled nursing or therapy services.
  • Home health care: Medicare covers services in your home if you are homebound and need skilled care. You are covered for up to 100 days of daily care or an unlimited amount of intermittent care. To qualify for Part A coverage, you must have spent at least three consecutive days as a hospital inpatient within 14 days of receiving home health care. (Note: You can get home health care through Medicare Part B if you do not meet all the requirements for Part A coverage.)
  • Hospice care: This is the care you may elect to receive if a provider determines you are terminally ill. You are covered for as long as your provider certifies you need care.
    Keep in mind that Medicare does not usually pay the full cost of your care, and you will likely be responsible for some portion of the cost-sharing (deductibles, coinsurances, copayments) for Medicare-covered services.

Am I Eligible for Medicare Part A Insurance?

If you are 65 or older, a citizen of the United States, or a permanent resident of California, you might be eligible for Medicare Part A.

For individuals under 65, eligibility extends to those receiving Social Security Insurance (SSI) or Railroad Retirement Board (RRB) benefits for 24 months due to a disability.

Special conditions apply to those under 65 with end-stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS). Individuals with ALS can receive Medicare Part A the first month they become eligible for SSI benefits. Coverage for ESRD begins during the month of a kidney transplant or earlier if hospitalization is required two months before the transplant.

For more personalized information regarding Medicare Part A insurance in California, contact Direct 2U Insurance.

Already have Medicare Part A ? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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