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With all the different parts of Medicare, it can be confusing to differentiate the coverage offered by each plan.
At John Kyle Insurance, you will gain a better understanding of your Medicare needs after learning more about Original Medicare, Medicare Advantage Plans, Prescription Drug Coverage, and Medicare Supplements.
Medicare Advantage Plans, or Medicare Part C, can be used to substitute Medicare Part A and B, as well as offer prescription drug coverage.
Known as Medigap Plans, Medicare Supplement Plans fill in the “gaps” of medical costs that aren’t covered by Original Medicare, such as coinsurance, copayments, and deductibles.
The policyholder pays the insurance company a premium payment every month in return for a death benefit to be paid to the policyholder’s chosen beneficiaries in the event of their death.
Health insurance is essential to have through all walks of life. Whether it is an individual, family, or group plan, John Kyle will advise and guide you in the right direction to find the coverage you deserve.
Different types of supplemental insurance pay you a cash benefit while you’re sick or injured. Whether it’s disability or dental, explore your many options with John Kyle.
We have acquired an abundance of knowledge, and we’re eager to share this expertise with you in the form of articles and blog posts.
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Medicare Part A
Forming 50% of the Original Medicare plan, Part A works with Part B to provide policyholders with coverage for their care at home, in a hospital, or at a skilled nursing facility. Most of the costs that this section covers will be associated with inpatient care expenses. For all other expenses, you will need to see if they are covered under another part of the Medicare Plan.
While beneficiaries will have to pay a portion of the cost when they use Medicare Part A, there is a good chance that monthly premiums will be waived. The Social Security office takes into account the number of years you have worked in the United States. If it is greater than 10 years, you could be offered a lower or deferred premium payment. This means that the burden to file Medicare claims for services will fall on suppliers and doctors, not beneficiaries.
The focus of Medicare Part A is to offer coverage for both the care and services provided in an inpatient hospital setting. For example, expenses such as semi-private rooms, medications, meals, nursing services, and other specified services obtained during a stay at a medical facility would fall under the plan. For reference, Medicare Part A will work in any of the following settings:
Once you have stayed in a hospital’s inpatient wing for longer than three days, Medicare Part A will begin to cover your treatment costs. Doctors will often suggest a skilled nursing facility if a patient needs to have consistent care around the clock at a skilled facility and has already had a lengthy hospital stay. In this instance, Medicare would provide coverage for the following services:
Lastly, Medicare Part A does provide some benefits when home health care services are needed. Mostly, occupational therapy, intermittent skilled nursing care, durable medical devices, speech-language pathology services, and physical therapy would be covered. Unfortunately, at this time, the plan does not cover expenses associated with meals, 24-hour home care, and homemaker services.
We are not connected with or endorsed by the United States government or the federal Medicare program.
As you decide if Medicare is the right type of insurance for your needs, it is important to have a good understanding of each part of the plan. For more information on Medicare Part A or any other Medicare-related questions, give us a call today at (440) 230-1223. One of our expert agents will assist you in making the best choice for your insurance needs.
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We are not connected with or endorsed by the United States government or the federal Medicare program.