Medicare Part A - Hospital Insurance

Part A is coverage for inpatient hospital care, skilled nursing, and hospice facilities and In some cases it will also cover home health care. Medicare Part A is measured in benefit periods. A benefit period is the way that Medicare controls your use of hospital and skilled nursing facility services. The patient must pay a deductible when admitted to the hospital and the benefit period begins. The benefit period ends when the patient is released from the hospital and does not return for 60 days. If the patient has to return to the hospital within 60 days it is considered the same benefit period. There is no limit on the number of benefit periods a Medicare recipient can receive in their life time.

If the patient stays in the hospital longer than 60 days then the patient must pay an additional daily copayment from day 61- 90. After a Medicare beneficiary has been hospitalized for more than 90 days they can take advantage of their lifetime reserve days. Each person has 60 lifetime reserve days; these days have an additional daily copayment. After day 150 Medicare no longer pays for hospital care.

2012 Medicare Part A Copayments and Deductibles

Days 1-60 : $1156 Hospital deductible*

Days 61-90 : $289 per day

Days 91-150 : $578 per day

Medicare pays $0 after day 150

Blood: All but first 3 pints of blood each year

*All Florida Medigap insurance plans will pay: 100% Part A deductible, coverage for an additional 365 days after Medicare benefits end, and for the first 3 pints of blood.

Skilled Nursing Confinement: After day 20 $144.50 per day

This is a great video by United Healthcare explaing Medicare


10 Steps to understand Medicare Supplemental Insurance

Medicare Part A - Hospital Insurance is coverage for inpatient hospital care, skilled nursing, hospice and some home healthcare, it can be thought of as room and board.

Medicare Part B - Medical Insurance is coverage for the services of medical professionals and supplies such as durable medical goods.

Medicare Part C - Medicare Advantage is private insurance that you can obtain by dropping traditional Medicare. It is also called Medicare Advantage..

Medicare Part D - Prescription Drug Coverage is insurance coverage that is added to traditional Medicare. It is usually purchased in addition to a Medicare Supplement.
Deciding between Medicare Supplement or Medicare Advantage? Choosing between Medicare Supplement and Medicare Advantage is an important decision we have provided a side by side comparison.

Gaps in Medicare Coverage Medicare part A and B recipients still have out-of-pocket charges in the form of deductibles, copayments, coinsurance, and benefit periods. We have outlined the current out of pocket charges.

Compare the different Medicare Supplement Plans Medicare Supplement plans A, N, and F are the most popular. Depending on your specific needs you may find one of the other plans more beneficial for you.
Medicare Supplemental Plan F is by far the most popular Medigap policy, it is also the most comprehensive covering more than any other plan.

Medicare Part B - Excess Charges are charges above the Medicare approved amount for a procedure, most doctors accept Medicare assignment but some specialists charge 115% of the Medicare approved amount.

Get Quotes for Medicare Supplements in your area click on the previouse link to get quotes for Medicare Insurance products in your area.


**The information on this website is intended for informational purposes only and may change at any time.   Medicare Supplement Advisor and V. Reed Speas himself are not connected with or endorsed by the U.S. government or the federal Medicare program.

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