you are turning 65 or you have recently found out that you are eligible
for Medicare, you most likely have many questions. Figuring out how
Medicare works is not always easy. There are two coverage choices with
Medicare. You can get original Medicare or Medicare Advantage.
you choose to get original Medicare, you will automatically get Part A
coverage unless you choose Medicare Advantage. This coverage is for Part A, which is Hospital Insurance and Part B, which is Medical coverage.
you choose regular Medicare, you get coverage for 80 percent of all
costs in most cases, but you are responsible for the remaining 20
percent out of your pocket. Private insurance companies provide Medicare
Advantage plans. These plans cost you a monthly premium, but your
coverage takes care of all expenses except for monthly premiums and
deductibles or copayments.
you choose to get Medicare, you will be covered under Part A for
hospital care. Here is a guide to that section of Medicare.
is a general guide, and it should be noted that different individuals
with certain circumstances like End-stage Renal Disease have to sign up
specifically for Part A. More information can be obtained from the
Department of Social Security.
Medicare Part A Services
A comes with either type of Medicare coverage. This coverage does not
normally entail paying a premium. You use your red, white and blue
Medicare card to get services from hospitals that participate in
Medicare. You use your insurance-issued Medicare card for these services
if you have a Medicare Advantage plan.
A covers inpatient care when you are in a hospital. It also covers
inpatient care at a skilled nursing facility. These facilities are not
the same thing as long-term care facilities. Part A will also cover
hospice care, home health care, and inpatient services in a religious
non-medical health care facility.
coverage will also supply your hospital with blood from a blood bank. If
your hospital has to buy the blood for you, you must pay the hospital
for the first three units used in a calendar year. Otherwise, you can
opt to have someone donate the blood to you.
are general services covered by Medicare Part A. You can find out more
about you are going to be covered specifically by contacting Social
Security or by going online to the Medicare website. In order to understand Medicare Part B, read more on the next page.