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Understanding Medicare Part A Insurance

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Medicare Part A Provided By Our Agency

Medicare Part A, also known as hospital insurance, primarily covers costs associated with inpatient hospital stays, skilled nursing facility care, hospice care, and certain home healthcare services. It's important to note that this coverage typically involves out-of-pocket expenses such as deductibles, coinsurance, and copayments.

What is Medicare Part A Insurance?

Medicare Part A is intended for people 65 years of age or older, as well as those with end-stage renal disease (ESRD) and qualifying disabilities. Known as "hospital insurance," it helps cover expenses for inpatient hospital stays, hospice care, and some home healthcare services.

What Does Medicare Part A Insurance Cover?

Medicare Part A includes coverage for the following services:

  • Inpatient Hospital Care: This coverage applies to care received after a physician formally admits you into a hospital. It includes up to 90 days of hospital stay per benefit period and 60 lifetime reserve days. Medicare covers up to 190 lifetime days in a Medicare-certified psychiatric hospital.

  • Skilled Nursing Facility (SNF) Care: Medicare Part A covers accommodation, meals, and various services in a skilled nursing facility, such as medication management, wound care, and tube feedings. You can receive up to 100 days of SNF care per benefit period if eligible. Eligibility requires at least a three-day hospital inpatient stay within 30 days of admission to the SNF.

  • Home Health Care: In case you are homebound and need skilled care, Medicare Part A can cover upto 100 days of daily care or unlimited intermittent care sessions. Eligibility requires at least a three-day hospital inpatient stay within 14 days before receiving home health care. If you do not meet Part A criteria, you may still receive home health care under Medicare Part B.

  • Hospice Care: If a provider certifies you as terminally ill, you can elect to receive hospice care, which is covered as long as your provider verifies your need for this care.

Am I Eligible for Medicare Part A Insurance?

If you are 65 or older, a citizen of the United States, or a permanent resident of [state], you might be eligible for Medicare Part A.

For individuals under 65, eligibility extends to those receiving Social Security Insurance (SSI) or Railroad Retirement Board (RRB) benefits for 24 months due to a disability.

Special conditions apply to those under 65 with end-stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS). Individuals with ALS can receive Medicare Part A the first month they become eligible for SSI benefits. Coverage for ESRD begins during the month of a kidney transplant or earlier if hospitalization is required two months before the transplant.

For more personalized information regarding Medicare Part A insurance in Arizona, contact Top Choice Insurance Agency, PLLC.

Already have Medicare Part A ? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesnโ€™t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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Sargent Insurance Agency

Also providing service throughout Camden, Helena โ€“ W. Helena, Maumelle, North Little Rock, and Pine Bluff areas. โ€“ Licensed in Alabama, Arkansas, Mississippi, Tennessee and Texas.
7107 West 12th St. Suite 103 Little Rock, AR 72204
1120 Washington St Camden, AR 71701
2600 West 28th Pine Bluff, AR 71603
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