What Does Medicare Part A Cover

What does Medicare Part A  cover?  As a broker, it is vital that understand how Original Medicare Part A works. This enables you to help them choose supplemental or advantage plans that work best for their individual medical needs and cover any gaps in health care coverage.  Click here to learn how to compare Medicare Supplements to Advantage plans. 

Generally, Medicare covers the following.

• Inpatient care in a hospital
• Skilled nursing facility care
• Nursing home care
• Hospice care
• Home health care

 

How to Find Out if Medicare Will Pay for What You Need:

Talk to your health care provider about why certain services or supplies are necessary.  Ask if Medicare will pays for these. Click here for more details.  There are times when a service is usually covered, but the health care provider thinks that Medicare will not cover it. In this case, you will have to read and sign a statement that explains that you may have to pay for the service or item.

 

Medicare Coverage is Based On 3 Main Factors:

Federal and state laws.

Medicare makes National benefit decisions regarding what is allowed.

Local coverage decisions made by companies in each state that process claims for Medicare. These companies decide whether something is medically necessary and should be covered in their area.

 

With this knowledge, you will be able to help your clients determine which supplemental or advantage plans work to ensure their complete medical coverage.  Click here to review parts a, b, c and d coverage.