Charles Marsala Discusses the Basics of Medicare Part A

Charles Marsala January 11, 2015 0
Charles Marsala Discusses the Basics of Medicare Part A

Medicare Part A covers Medicare inpatient care, including care received while in a hospital, a skilled nursing facility, and through home health care.
Most people are automatically eligible for Medicare Part A at age 65 if they have worked at least 10 years or 40 quarters and paid Medicare taxes during that time. You may qualify for Medicare Part A before 65 if you have a disability, end-stage renal disease (ESRD), or amyotrophic lateral sclerosis (ALS).
As a Medicare Part A beneficiary, you will receive coverage for hospital expenses that are critical to your inpatient care, such as a semi-private room, meals, nursing services, medications that are part of your inpatient treatment, and any other services and supplies from the hospital.
Medicare Part A benefits for home health care services are covered when deemed medically necessary and ordered by your doctor. Medicare Part A does not cover 24-hour home care, meals, or homemaker services if they are unrelated to your treatment.
Skilled nursing facility (SNF) stays are covered under Medicare Part A after a qualifying hospital inpatient stay for a related illness or injury. To qualify for SNF care, the hospital stay must be a minimum of three days, beginning on the day you are formally admitted as an inpatient.
If your doctor has certified that you have a terminal illness with an estimated six months or less to live, you may be eligible for hospice care coverage.
If you do not qualify for Social Security retirement benefits or benefits from the Railroad Retirement Board (RRB) then you must enroll in Medicare Part A manually during your Initial Enrollment Period (IEP).
If you (or your spouse) lose your employer- or union-sponsored group hospital insurance, or if you were a volunteer serving in a foreign country, you may enroll in Medicare Part A immediately or during a Special Enrollment Period.
About the Author: Charles Marsala is a Financial Advisor with Benchmark Investment Group with Securities offered through LPL Financial, a member FINRA/SIPC. He can be contacted at Charles.Marsala@lpl.com

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