While Part A does provide hospital care benefits, there are two stipulations for you to receive coverage. First, you need to be admitted for inpatient care by a doctor’s recommendation. Second, the hospital in question must accept Medicare. Finally, you may receive coverage if the hospital’s Utilization Review Committee approves your coverage.
If you meet these requirements, you will have coverage for meals, shared hospital rooms, and general nursing care. Additionally, you will have coverage for the drugs required for your treatment, and other necessarily hospital services and supplies.
Skilled Nursing Facility Coverage
These benefits cover the cost of care given by skilled nurses. These services include injections and tests necessary for your recovery. Similar to hospital benefits, you must meet certain requirements in order to receive coverage for SNF.
These requirements include having enough hospital days left in your benefits pool, as well as qualifying for a hospital stay. Beyond that, your doctor must approve your hospital care can be administered by skilled nursing staff. Furthermore, the SNF must be approved by Medicare.
Another requirement is that your condition must be a hospital-related condition and treated during your stay. What you should know, is that these stipulations include conditions that you develop during your 3-day inpatient stay, even if you were admitted for a different condition.
Similar to your hospital benefits, this coverage will give you access to semi-private rooms, meals, medications, and necessary medical supplies. In addition, SNF coverage applies to physical therapy, occupational therapy, and speech-language pathology. There are a few other benefits of your plan that will be detailed in when you purchase you plan.
Long-term Hospital Care Benefits
Abbreviated to LTHC, these benefits cover many of the same services as regular hospital care. You can also receive coverage for acute care and ventilators. If you still need care after your LTHC benefits run out, you may be eligible for Skilled Nursing Facility care.
The costs for LTHC coverage scales much like that of hospital care benefits. You will have a deductible and coinsurance that will increase the more days you use.
Usually, Part A is the premium free part of Original Medicare, due to retirement benefits. However, if you choose to buy a Part A plan, you will have a premium determined by the number of quarters you paid Medicare taxes.
Part A plans have both deductibles and coinsurance costs for inpatient hospital care. Usually, plans will cover the first 60 days of inpatient hospital care without requiring coinsurance. However, after the 60-day mark of your benefits, you will have to start paying coinsurance charges. After 91 days of benefits, the cost of coinsurance will increase.
Once you start paying coinsurance after this mark, you will have a certain amount of “lifetime reserve” days. After these reserve days have been used, you will have to cover the rest of your costs out of pocket.