VIDEO: What is Part A and How Does it Work
What does Part A Cover?
Medicare Part A (Hospital Insurance)
Part A of Medicare covers hospital stays, skilled nursing facilities, hospice care, and some home health care services. It is financed by payroll taxes paid by employees and employers during their working years. Most people do not have to pay a premium for Part A because they or their spouse have already paid for it through their taxes for 10 years or 40 quarters of employment.
Patients must be admitted to the hospital as inpatients and meet certain criteria to be eligible for coverage under Medicare Part A. The coverage includes inpatient hospital care, nursing services, meals, and other necessary hospital services and supplies.
It is essential to note that while Medicare Part A covers hospital stays, it does not cover all costs. Patients are responsible for paying certain deductibles, coinsurance, and copayments. The amount of these costs depends on the length of the hospital stay and the type of services received. Most Patients choose to purchase additional insurance, such as Medicare Supplement policies or Medicare Advantage Plans (Part C), to cover the out-of-pocket expenses not covered by Medicare Part A.
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