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Medicare Part A and B

If you are 65 years of age and already enrolled in Medicare Part A and/or Medicart Part B, American Benefits Insurance wants to help you to determine if you are spending too much money and make sure you are on the correct Medicare Part A and B plan. American Benefits Insurance will take a look at your current Medicare Part A and B plan and walk you through step by step to make sure you are getting the best Medicare Supplmental Insurance that fits your need.

Call us @ (877) 702-3555 or email us at info@americanbenefitsinsurance.com, we would love to hear from you.

Medicare Hospital Insurance (Medicare Part A)

Medicare has several parts to consider when making your health care insurance choices. One part of the Medicare program is called Medicare Part A.  Most people do not have to pay a premium for Medicare Part A because the individual or their spouse paid Medicare taxes while working.  Others would be able to buy Medicare Part A if they meet certain requirements. 

Medicare Part A is a type of medicare hospital insurance provided by Medicare.  Medicare Hospital Insurance coverage includes inpatient care in hospitals, nursing homes, skilled nursing facilities, and critical access hospitals.  Medicare Part A does not include long term or custodial care.  If you meet specific requirements, then you may also be eligible for hospice or home health care.  Medicare does not cover everything, nor does it cover the total cost for many of the covered services or medical supplies.  Coverage amounts are based on which Medicare plan you have.  Medicare Part A helps cover on the medically necessary services below:

 

• Blood Transfusions: This is blood work that you receive during a covered stay in a hospital, critical access hospital, or a skilled nursing facility
• Hospital Stays: Medicare Part A covers hospital stays, which includes a semi-private room, meals, general nursing, and miscellaneous hospital services and supplies.  Inpatient care in critical access hospitals and mental health care are covered as well.  Hospital stays must be at least 3 days.  The time begins on the first midnight after admission and does not include any hours on the discharge date. 
• Nursing Home or Skilled Nursing Facility stays must be related to diagnosis during a hospital stay.  A nursing home or skilled facility stay included a semi-private room, meals, and rehabilitative and skilled nursing services and care.  The coverage is limited to a maximum of 100 days.  The first 20 days are paid in full, and the remaining 80 days will require a copayment.
• Home Health Services include limited reasonable and only medically necessary part time care and services such as skilled nursing care, physical or occupational therapy, home health aide service, speech language pathology, and medical social services.  It also includes certain home use medical equipment and other medical supplies.
• Hospice Care is for the terminally ill who have six months or less to live.  This coverage includes pain relief and symptom control drugs, medical and support services, grief counseling, and other services.  Medicare does not cover many of the services that are provided to patients who receive Hospice assistance.

Medical Insurance (Part B)

Most people have to pay a premium for Medicare Part B. You can check to see if you qualify to receive help from your state to pay for premiums and deductibles. If you don’t qualify for this, then the premiums are usually deducted from a Social Security, Railroad Retirement or Civil Service Retirement check.  There are many payments options for premiums such as quarterly bills, check draft, or easy pay.

Medicare Part B is a medical insurance offered by the federal government to eligible beneficiaries.  Medicare Part B coverage offers medically necessary doctor’s services, outpatient care, and most other services that Medicare Part A does not cover such as some physical or occupational therapies and some home health care services.  Preventive services are also covered by Medicare Part B.  Though many services and products are covered, keep in mind that Medicare Part B is still not a complete insurance coverage plan.  Medicare Part B helps cover only the medically necessary services listed below:

 

• Tests, labs, and screenings
• Preventive services
• Glaucoma tests
• Bone mass measurement
• Lab Services
• Colorectal cancer screenings
• Diabetic screenings
• Diabetic supplies
• Diabetic self management
• Cardiovascular

Preventive Shots
Flu shots are covered one time per year during flu season.
Three hepatitis B shots are covered if you are at medium or high risk.

We strongly encourage you to contact us for a free consultation of benefits regarding Medicare Part A and B Plans or other services and receive a free quote. Please call us at (877) 702-3522.