Medicare Part A

You are replacing your healthcare insurance with Medicare just by turning 65. As this change occurs it is important to understand the different parts of Medicare. There are 4 parts to Medicare; Parts A, B C & D. Here you will understand what Medicare Parts A & B covers.

The month you turn 65 you are enrolled in Medicare Part A, if you qualify. As your current insurance become secondary to Medicare Part A it’s important for you to understand Medicare as it pertains to your healthcare.

In general, Part A covers:

  • Inpatient care in a hospital
  • Skilled nursing facility care
  • Nursing home care (inpatient care in a skilled nursing facility that’s not custodial or long-term care)
  • Hospice care
  • Home health care

For More Information on Part A click here

Unlike Part A you are not usually automatically enrolled in Part B, even if you qualify. There are exceptions such as if you are on Medicare due a disability or if you are collection your Social Security cash benefits you might be automatically enrolled; always best to check.

Part B covers:

  • Doctor and Specialists visits
  • Inpatient & Outpatient Services
  • Partial Hospitalizations
  • Emergency Room Care
  • Limited outpatient prescription drugs 
  • Ambulance services
  • Durable medical equipment (DME)
  • Mental health services

Unlike Part A, you are not required to enroll in Part B. You may not want to enroll as you might have other creditable coverage. Such coverage could be employer coverage, Spouses employer coverage or Veteran Medical Benefits. If you do not enroll and you do not have other creditable coverage you may be subject to a lifetime surcharge on your monthly Part B premium.

For More Information on Part B click here

To speak to a Medicare Specialist call Mike at (610) 420-6064.