Medicare Part A, often referred to as hospital insurance, primarily covers inpatient hospital care. This includes not only the cost of a hospital stay but also the associated services and supplies that are deemed medically necessary for the patient’s treatment. Specifically, it covers semi-private rooms, meals, general nursing care, and medications as part of the inpatient treatment. Additionally, Part A can cover inpatient care in critical access hospitals and rehabilitation facilities, helping patients receive the specialized care they might need after surgery or severe illness.
Beyond hospital stays, Medicare Part A also covers skilled nursing facility (SNF) care, though it’s important to distinguish that this is not long-term care. To qualify for SNF coverage, the patient must have had a qualifying hospital stay of at least three days and need skilled nursing services for a condition that was either treated during the hospital stay or arose while receiving SNF care. Services covered in a skilled nursing facility include physical and occupational therapy, speech-language pathology services, and other services necessary to maintain the patient's health.
Medicare Part A also provides coverage for some home health care services and hospice care. Home health care coverage can include part-time skilled nursing care, physical therapy, speech-language pathology services, and, in some cases, occupational therapy. These services are aimed at helping patients recover from an illness or injury in the comfort of their own home. Hospice care, which is covered under Part A, is available for terminally ill patients who choose to focus on comfort and quality of life rather than curative treatments. Hospice services include pain relief, symptom management, and support services for both the patient and their family.
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Plans are provided by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the renewal of the plan’s contract with Medicare.
This is an insurance solicitation. Outside the Medicare Annual Enrollment Period, members can enroll in a plan only if they meet specific criteria. A licensed insurance agent can help determine your eligibility. We are not connected with, nor endorsed by, the U.S. government or the federal Medicare program. Plan availability varies by region and state. Callers will be connected with a licensed insurance agent from a third-party partner of Medicare Phone Support who can provide information about Medicare plan options from one or multiple insurance carriers. This information is not a comprehensive description of benefits. For a complete list of Medicare plans, please contact 1-800-MEDICARE, available 24/7, or visit www.medicare.gov.
The Medicare plans represented are PDP, HMO, PPO, or PFFS plans with a Medicare contract. Enrollment in these plans depends on contract renewal. Enrollment may be restricted to certain times of the year unless you qualify for a special enrollment period or are in your Medicare Initial Enrollment Period. Deductibles, copays, and coinsurance may apply.
For assistance with plan choices, you can always contact 1-800-MEDICARE, or your local State Health Insurance Program (SHIP).
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