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Two categories of people are eligible: those “automatically” eligible, which means coverage is free and they don’t have to pay a premium; and those who must pay a monthly premium. People in either category must be a citizen or legal resident of the United States and at least age 65 or disabled.
Those who are age 65 or older and eligible for Social Security, Railroad Retirement or civil service retirement, or dependents or survivors benefits are eligible for Medicare Part A without paying any premium. People who are under age 65 but have been eligible for Social Security disability benefits for 24 months or who have permanent kidney failure are also eligible for free Part A coverage.
Those who aren’t eligible for free Part A coverage at age 65 can buy into Part A by paying a monthly premium. For someone who has 30 to 39 Social Security or civil service work credits, Part A coverage costs $244 a month; for those who have fewer than 30 work credits, Part A costs $443 a month. You can find out how many credits you have by checking the annual earnings record Social Security sends you or by going online at the Social Security website.
Almost all care provided by hospitals is covered by Part A. This includes:
* A semi-private room (or a private room if it’s medically necessary or if a semi-private room isn’t available)
* Special care units (like intensive care and coronary care)
* Operating room charges
* Nursing services (though not private-duty nursing)
* Drugs, supplies, and appliances provided in and by the hospital
* Special treatments (like radiation and chemotherapy)
* Lab and diagnostic tests (like X-rays and CAT scans)
* Rehabilitation (physical, speech, and occupational therapy)
Remember, though, that being “covered” doesn’t necessarily mean medical expenses will be fully paid. Most participants will still have significant hospital costs that Part A doesn’t pay. Check Internet #1 Ris Rental Insurance Services Inc right now!
Part A doesn’t cover care from doctors who treat patients in the hospital. Those doctor bills — such as from a surgeon, radiologist, oncologist, or primary care physician — are covered instead by Medicare Part B. Nor does Part A cover emergency room care; that, too, is covered under Part B.If travelling abroad, be aware that Part A covers care only in hospitals in the United States, including Puerto Rico, the U.S. Virgin Islands, Guam, and American Samoa.
Even emergency hospital care while traveling outside the country isn’t covered.There are some hospital inpatient costs Part A doesn’t cover. Private-duty nurses or a private room aren’t covered unless they’re ordered by a doctor who deems them medically necessary. And personal convenience items, such as television and telephone, aren’t covered if the hospital bills them separately.Finally, it’s important to recognize that Part A pays only for medically necessary care, and only if it must be delivered on an inpatient basis.
In other words, if you could receive the same treatment in a doctor’s office or an outpatient clinic, Part A might not pay for it in the hospital. Likewise, there’s no coverage for elective surgery. Also, even if Part A covers a hospital stay, it might stop coverage if you remain there after the hospital is ready to discharge you — if, for example, because no one has arranged care for you at home. Check Internet #1 Ris Rental Insurance Services Inc right now!
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