Original Medicare Part A
You might hear some people refer to Medicare Part A insurance as Medicare hospital insurance. That’s because Part A is the portion of Original Medicare that will help you pay for inpatient care. In addition to hospital visits, Medicare Part A coverage includes benefits for skilled nursing, inpatient rehabilitation, physical therapy, and hospice care. Even though Medicare Part A can help you pay for inpatient services, it won’t completely protect you from medical bills.
Below, find out how to enhance your Medicare benefits to protect your retirement from a variety of out-of-pocket healthcare expenses.
What Medicare Part A Won’t Cover
Most Americans don’t have to pay a premium for Part A as they do for Medicare Part B. Part B is sometimes called Medicare medical insurance because it concentrates mostly on outpatient health care. With Part B, you would still be responsible for uncovered services, copays, and deductibles.
These are examples of some kinds of charges you may still incur if you only have Medicare Part A:
In contrast to Medicare Part A coverage for inpatient care, Medicare Part B covers outpatient services and products. With only Medicare Part A, you won’t get visits to the doctor, durable medical equipment you take home, or lab tests covered.
Medicare Part A plans typically only cover health care inside the United States and up to Medicare-approved amounts. If you plan to travel outside the country, you probably won’t be covered by Part A.
Medicare Part A has deductibles and coinsurance that you have to pay. Some examples include deductibles for hospital stays and daily coinsurance after 60 inpatient days.
Medicare Part A typically only covers prescription medication you get while inside a hospital or other inpatient facility. Neither Part A nor Part B generally covers the kind of drugs you would get from a pharmacy and take home.
These gaps and limits to coverage can generate considerable expenses, so they make it difficult for retirees to plan for a secure financial future. Senior Services of Illinois helps individuals find Medicare insurance that can help them control and predict their costs for a more comfortable retirement.
How Medicare Supplement Insurance Enhances Medicare Part A Coverage
We can help you shop for such high-quality insurance products as Blue Cross Medicare Part A and B supplemental plans. You can pick from numerous Medicare supplement plans that you can use across the country. Some Medicare supplement insurance will even help you pay for urgent medical care outside the country and charges that are higher than Medicare-approved amounts.
You can choose from several Medicare supplement plan levels. Even more basic Medicare supplement insurance will cover the most common and expensive cost-sharing that Original Medicare has. You can simply pay a predictable premium and never worry about ruining your retirement budget because of an unplanned visit to the hospital or emergency room.
Get Better Medical and Hospital Insurance for Seniors
Our experienced agents can show you a variety of supplement insurance to improve medical and hospital insurance for seniors. We also offer Medicare drug plans, so you don’t have to worry about taking expensive medications. To make your retirement health care more secure, request a quote from us today.