This is the basic information about Medicare Part A which will cover home health care, hospice care, and hospital stays that are classified as inpatient. Medicare is a government created program to provide insurance to individuals who meet a given criteria. This program was set up to cover the costs of these persons medical bills. Medicare Part A was created with the original Medicare package, is an insurance that is bankrolled by the government, and covers costs associated with home health services, hospice, nursing home facilities, hospital stays that are classified as inpatient, and Non medical Health care Institutions with a religious affiliation.
Who is Eligible to Receive Medicare Part A?
Individuals over the age of 65
Individuals who are under the age of 65 but have a qualifying disability
Individuals who suffer from terminal kidney disease and are in the end stages of this disease
What costs are associated with Medicare Part A?
There is no premium for Medicare Part A if you paid in Medicare taxes while you were working. There is also no premium if your spouse paid these kind of taxes.
Medicare Part A may be available to you for a cost if you are over 65 and meet certain requirements of citizenship.
You may also purchase coverage if you are under 65, suffering with a disability, but no longer eligible for free coverage because you have been able to resume working in some capacity. Premiums for Medicare Part A can run as high as $433 each month. When you purchase Part A, you are usually required to also purchase Part B.
When Am I Eligible to Enroll for Part A?
Your Medicare coverage begins automatically the first day of the month of your 65th birthday, as long as you are collecting social security or benefits from the Railroad Retirement Board. You should receive a Medicare card mailed to your home about 3 months prior to your 65th birthday.
If you are under the age of 65, but disabled, you become eligible for Medicare Part A when you have been receiving social security disability benefits or RRB benefits for 2 years. In the first month of your third year, you will receive your Medicare card. There is an exemption made for those that have Amyothropic Later Sclerosis. These individuals are eligible for Medicare Part A the same month that they begin receiving social security disability benefits.
You may have to take the first step to enroll for Medicare Part A, even if you meet the eligibility requirements. If you are not currently collecting your RRB benefits, if you were a railroad employee, or you social security benefits, you should call the social security office 3 months prior to your 65th birthday to find out how to enroll.
Purchasing Part A
The following are the circumstances under which Part A coverage can be purchased:
At the onset of enrollment 3 moths prior to your 65th birthday
Up to 3 months after your 65th birthday
During the open enrollment periods from January 1 to March 31 each year
You should make sure to enroll for your Medicare when you are initially eligible, otherwise you may incur increases or fees with your premium. The following are exceptions to this rule:
If you did not enroll at your 65th birthday because you or your spouse were enrolled on an employers' plan, you have 8 months beyond the time that your employment or health insurance ends to sign up for Medicare Part A.
If you are volunteering in an international capacity, you have 6 months beyond the end of your assignment to enroll.
Medicare Part A covers the following:
Occupational Therapy
An inpatient hospital in a semi private room including nursing care, medications, and meals
Blood transfusions when the hospital must purchase the blood to be transfused
Hospital supplies
Part time nursing care, speech therapy, or physical therapy when it is deemed medically necessary
Hospice services if you have a terminal illness and are expected to live for 6 months or less
Up to 100 days each benefit period in a skilled nursing facility care including meals, semi-private room, rehabilitative services, skilled nursing,and other medically necessary services.
The Following is Not Covered by Part A
Custodial Care
Dental Checkups and Dentures
Acupuncture
Cosmetic Surgery
Hearing aids and exams
Routine foot care
Routine or annual physical exams
Most prescription drugs
Long-term care
Syringes or insulin
Routine eye exams, eye refractions, and most eyeglasses
Travel
To Learn Even More About Medicare A, B, C & D, visit the Medicare Coverage Guide Today at http://medicareinsurances.com.
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