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What You Need To Know About Part A MedicarePart A Medicare (Insurance for Hospital Care).has coverage that consists of care in-hospitals, critical care hospitals and nursing homes (excluded are long-term care or custodial care). It also helps cover care of a hospice and some health care at home. Certain conditions must be met to receive these benefits. If your income is limited as are your resources, the payment can help become affordable by your state on Part A.Part A Medicare (Hospital Insurance) helps pay for skilled nursing homes, hospice, critical access hospitals ad some home health in almost all states. Information regarding your Part A Medicare coverage can be found in your Medicare database. If you are not sure if you have Part A Medicare coverage, look on your Red, White, and Blue Medicare card. If you have Part A “HOSPITAL PART A” will be printed on your card. Once you turn 65 years of age, most people automatically get Part A Medicare. You don't have to pay a premium monthly for Part A Medicare because they or their spouses had taxes for Medicare taken out when they were employed. If you don't receive Part A Medicare free of premium you may be able to purchase it if you or your spouse have enough taxes from Medicare taken out while you were employed, aren't entitled to Social Security because you both didn't pay enough Medicare taxes or didn't work, returned to work after an absence due to a disability and over 65 years of age, or somewhat older and cannot receive Part A because of this.. Inpatient Services Coverage with Medicare as the primary payer includes hospital semi-private room (with general nursing services, supplies, drugs), mental care in a psychiatric facility up to 190 days per lifetime, skilled nursing services and rehabilitation services in semi-private room for 20 days after a three-day hospital stay with certified need. Days 21-100 have a co-payment of $119.00 per day (in 2006). No coverage after day 100. Health Care from home with part-time nursing therapy, aide services and 80 percent of durable medical equipment. Hospice care for short term stay in a Medicare approved hospital, nursing facility or at home for necessary services including drugs to relieve symptoms or pain. Blood transfusions after the first three pints. Part A Medicare is financed primarily through federal payroll taxes (FICA taxes) and paid into Social Security by employer's and employee's. The FICA tax is 7.65%, of this, 1.45% goes to the Part A Medicare Trust Fund. The rest of Part A is paid by people who must purchase it. The coverage for hospitalization care and nursing/rehabilitative facilities is metered in “benefit periods”. In each benefit period, you are limited as to the number of days Medicare will help pay for inpatient hospital and nursing care. Within each period of benefit there is a limitation of the days that your Medicare will cover your hospitalization care. When the limit has been exceeded, you are liable for every charge for all extra days of your care. The day of admittance to the hospital begins your benefit period. Ending, only when you have been discharged in a straight line of 60 days, which includes your discharge date. If you stay in a nursing home and do not get nursing care for a straight 60 days your benefit period has ended .When one benefit period has ended, your new period of benefits start anew. The number of period of benefits you can have are unlimited. |
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