Medicare Part A Coverage, Premiums, Deductible & Coinsurance

Medicare Part A Deductible 2022

Medicare Part A Deductible 2022: It is hospital insurance provided by Medicare according to the federal government laws to the citizens of age above 65. Citizens having certain disabilities, kidney failure, Lou Gehrig’s disease, etc. are also provided with Medicare insurance even below the age of 65.

The insurance coverage includes inpatient hospital care, skilled nursing facilities, and critical access hospitals excluding custodial care. You may get hospice or home health care in case of specific requirements. Medicare Part A and Part B together are termed as original Medicare.

Medicare enrollment is taken care of by the Social Security Administration. You get automatically enrolled for Medicare Part A and Medicare Part B once you are 65 and getting social security benefits.

If you are of the age 65 or above and not receiving social security payments, you can still get enrolled in Medicare. You just need to contact Social security. You can make a call at 800-772-1213. You can also apply at the local security office or apply online.

Medicare Part A coverage

Medicare Part A doesn’t cover everything. The cost covered for services or medical supplies depends on the Medicare plan you have. Details regarding medical services and supplies for Medicare Part A are as follows:

Hospital Stays: It covers semi-private rooms, general nursing facilities, hospital services, and supplies. It even provides coverage for mental health care and inpatient care in critical access hospitals which are limited to a maximum of 190. It requires a minimum of three days of hospitalization.

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Blood Transfusions: It covers blood transfusions if needed during your hospital stay, critical access point, nursing facility, critical access hospital, etc.

Skilled Nursing Facility or Nursing Home: A nursing home stay is for diagnosis during your hospital stay. It covers semi-private rooms and skilled nursing services. A meal is included too. If any rehabilitation service is needed, it is provided.

The nursing facility provided is for a maximum of 100 days during a benefit period. For the first 20 days, you don’t have to pay any cost. It requires co-payment for the remaining days.

Home Health Services: It covers medically needed part-time health care services such as physical therapy, occupational therapy, speech therapy, skilled nursing care, home health aide service, etc. If needed, medical equipment such as a wheelchair, walker, oxygen cylinder, hospital bed, etc. is also provided.

Hospice Care: It is for critically sick people who are on the verge of death and are likely to live for hardly six months or less than that. It basically covers medical and support services, drugs for pain relief and controlling symptoms, counseling, etc. Medicare-approved Hospice caregiver visits the patient at home and provides the services.

Medicare Part A Costs

Medicare premiums and co-payments are decided by the Centre for Medicine and Medicaid Services (CMS). Generally, you don’t have to pay any premium as a Medicare Part A beneficiary if you or your spouse has paid Medicare tax for ten years. If you don’t qualify for it, you have to pay a $407 monthly premium.

If you get medical services provided by Medicare Part A for more than the specified period limit, you have to pay a co-payment. For the year 2015, a deductible is $1260 which you have to pay before your Medicare starts sharing costs.

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You have to pay coinsurance for hospital stay and skilled nursing facility which is according to the hospital stay and for the year 2015 it is as follows:

  • There is no co-pay for the stay of 1 to sixty days.
  • You have to pay $315 per day for coinsurance for 61 through 90 days.
  • For a hospital stay beyond 90 days, you have to pay $630 per day.

For the nursing facility, the coinsurance is as given below:

  • There is $0 coinsurance for 1 to 20 days.
  • You have to pay $157.50 per day for coinsurance for 20 through 100 days.
  • You have to bear all the costs beyond 100 days’ stay.

To find help for Medicare Plan

If you want to find out whether you are eligible for Medicare Part A or want to know anything about it, you can call 1-800-MEDICARE (1-800-633-4227), TTY users at 1-877-486-2048 anytime 7 days a week. You can go to the website Medicare.com and learn about the plans. You can also contact Medicare licensed agents at 1-844-847-2659, TTY user’s 711on working day between 8:00 AM to 8:00 PM.

You can also make use of messaging services. You just leave a message and you will get a return call on the next business working day.

If you are above 65 or have a certain disability make sure you are enrolled in Medicare Part A and get benefits from the health services and supplies provided and have a healthy and happy life. Read more articles on wink24news.

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