Medicare is a health insurance program administered by the federal government, providing health insurance coverage to people who are 65 years of age or older. Medicare-covered care also may be used for those under age 65 with certain disabilities and at any age with End-Stage Renal Disease (ESRD – permanent kidney failure requiring dialysis or a kidney transplant). Medicare is broken down into four main categories:
- Part A: Covers inpatient hospital stays, skilled nursing care, hospice care, and home health care.
- Part B: Covers most doctor services, outpatient therapies, and durable medical equipment
- Part C: Also known as the Medicare Advantage Plan, is a combination of Parts A and B while covering additional benefits not offered by Original Medicare (Parts A and B).
- Part D: Prescription drug coverage
Let’s take a closer look at what Part A offers.
Medicare Part A Coverage
Once you turn 65, you will be automatically enrolled in Part A if you are currently drawing Social Security. If not, you will have a 7-month window around your 65th birthday to apply for Part A.
You usually do not pay a premium for Part A coverage if you or your spouse paid Medicare taxes while working for 10 years or 40 quarters. If you are not eligible for premium-free Part A, you may be able to buy Part A if you meet certain requirements.
Part A is a type of hospital insurance plan provided by Medicare. Hospital Insurance coverage includes inpatient care in hospitals, skilled nursing facilities, and critical access hospitals. Part A does not include long term or custodial care. If you meet specific requirements, you may also be eligible for hospice or home health care.
Medicare Part A does not cover everything, nor does it cover the total cost for many of the covered services or medical supplies.
Work With a Specialist
Because every situation is different, it’s important to find someone to talk to about different plans, coverages, and options. As an independent agency specializing in Medicare benefits, VibrantUSA has access to more than 50 different Medicare-approved plans from more than 30 different insurance carriers.
With so many choices, it’s important to choose an independent agency because of the flexibility they provide. VibrantUSA isn’t limited to just a few insurance carriers – we work with as many carriers as we can. This means we are able to find the right Medicare health plans for you at the best price.
It goes beyond finding plans for our clients, though. We keep our clients up to date on enrollment periods, changes in Medicare coverage, or cost. And we’re always available to answer any questions they may have. We do this because we concentrate on Medicare insurance first and foremost.
VibrantUSA has been helping clients in Washington amd Oregon since 2003. Primary care physicians trust us because we offer their patients the respect and service they deserve. We also don’t charge a fee for our services – our clients don’t pay us, the carriers do. This allows us to focus solely on customers and what they need.
If you have questions about Medicare insurance part A, Medicare Part B medical insurance, or when the next open enrollment period is, contact VibrantUSA today.