Hospital Insurance
Questions
As an independent agency, we combine different quotes that are provided by the most reasonable insurance rates that meets your needs. Feel free to click to get your free quote or give us a call today.
There are a lot of different ways we can help you. Because healthcare is changing and health insurance is changing. It is a good idea to have your coverage reviewed every year. Please call us to schedule a healthcare review.
If you already know what you need then let us help you get enrolled. It's simple, click to enroll or give us a call today and we can guide you through the enrollment process.
mEDICARE pARTs
Our insurance agency is here to be of service to you. From answering questions on your healthcare to going over what options you have. We are in independent agency who represent many of the big name companies.
Medicare Part A – Hospital Insurance (inpatient coverage from hospital beds to hospice care)
No one plans to end up in the hospital, but it's reassuring for millions of enrollees to know that Part A covers so much of hospitalization expenses. It's also comforting to know that most folks who are eligible for Medicare do not have to pay a Part A premium.
Part A coverage – or "hospital insurance" – pays for a broad range of inpatient care in hospitals, skilled nursing facilities and critical access hospitals. And, while it does not include long-term care, Part A may cover some hospice or home health care.
More specifically, the list of expenses covered by Part A includes:
• Inpatient care in hospitals that provide critical care, including a semi-private room (unless a private room is medically necessary), meals and prescription drugs. (Not included: private-duty nursing, a TV or phone in the room)
• Inpatient facilities for rehabilitation and hospitals providing long-term care
• Inpatient care in a nursing facility where skilled but not long-term care is offered
• Hospice care and home health care services when medically necessary (home health care includes intermittent skilled nursing, physical therapy, speech-language pathology, some medical supplies and equipment)
• Inpatient care in a religious non medical health care institution
• Blood – If no free blood bank blood is available, Part A pays for patient's blood after the enrollee pays for the first three units.
• Inpatient mental health care in a psychiatric facility (limited to 190 days in the enrollee's lifetime).
Part A – How to Enroll
If you are receiving Social Security or Railroad Retirement Board benefits and live in one of the 50 states, the government automatically enrolls you in Medicare Part A at no cost when you reach 65. Look for your Medicare card to automatically arrive in the mail three months prior to your 65th birthday (or the 25th month of a disability).
Individuals not eligible for automatic and free Part A enrollment have a seven-month window of time to enroll, beginning three months prior to the month they turn 65. Enrolling beyond that window triggers higher premiums. Those suffering from ALS receive their Medicare Part A card through the mail the month their disability benefits begin.
Part A – What's the Cost?
Most people don’t pay a Part A premium because they paid Medicare taxes while working. If you don’t get premium-free Part A, you pay up to $411 each month.
Hospital Stay
In 2016, you pay
• $1,288 deductible per benefit period
• $0 for the first 60 days of each benefit period
• $322 per day for days 61–90 of each benefit period
• $644 per "lifetime reserve day" after day 90 of each benefit period (up to a maximum of 60 days over your lifetime)
Skilled Nursing Facility Stay
In 2016, you pay
• $0 for the first 20 days of each benefit period
• $152 per day for days 21–100 of each benefit period
• All costs for each day after day 100 of the benefit periodType your paragraph here.Type your paragraph here.
Enroll
Contact us for your free healthcare review
1-855-897-8790
Quick QUote
quick QUOTE
Preferred Senior Benefits Marketing Company © All Rights Reserved.