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At iHealthcare, we care about getting you the coverage you need within your budget. That’s why our experienced agents will walk you through the Medicare enrollment process to avoid penalties. We will also make sure you are fully knowledgeable about all your Medicare options so you can make educated decisions.
Having insurance is important, especially if you have a family and kids. Many people have heard about insurance, but really have a hard time explaining what it is and how it works. As an overview, health insurance functions as coverage or a plan that will help pay costs and expenses associated with surgical, medical, prescription drugs and dental from time to time.
To receive a free quote and discuss your healthcare options, reach out to iHealthcare today. Our licensed insurance professionals will provide you with all the information needed to make sure you receive the best coverage possible at the best rates.
For all of your healthcare insurance needs, reach out to one of our expert agents today by calling 713-900-1901 or filling out the form.
View the latest insurance trends and industry news from iHealthcare. For questions, feel free to contact us directly.
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Original Medicare is made up of two parts, Part A and Part B. Medicare Part A is the first section of the plan and provides beneficiaries with coverage for care received in a hospital, skilled nursing facility, or at home. Focused mainly on hospital expenses, it is the part of Medicare that will help with costs associated with inpatient care. It is also automatically available to anyone who reaches the age of 65 and has worked in the United States for a minimum of 10 years. The law does require that suppliers and doctors must file Medicare claims for services, but beneficiaries do not have to.
Medicare Part A provides solid coverage for inpatient hospital care and services. Expenses such as meals, nursing services, semi-private rooms, medications, and other services provided at the medical facility. These facilities can include any of the following:
One of the things that Medicare Part A doesn’t provide coverage for is the cost of a private room, private nursing, or personal care items. In the instance that you need blood, the hospital will usually not bill you for it unless they need to purchase the blood. When this happens, you will only be responsible for the first three units you receive in a calendar year.
There are also benefits for home health care services when ordered by your doctor. Some of these include physical therapy, occupational therapy, medical social service, intermittent skilled nursing care, speech-language pathology services, and durable medical equipment. Any costs that are associated with 24-hour home care, homemaker services, or meals are not covered under Medicare Part A.
Typically, Part A will cover stays in a skilled nursing facility after an extended, qualifying stay longer than three days at a hospital’s inpatient wing. A doctor must also certify that you could not receive care at home and must have care provided at a skilled facility. While there, services that will be covered under Medicare could consist of the following:
With many healthcare insurance options available it is important to understand what coverage comes with Medicare. To find out more about Medicare Part A or your coverage options, give the iHealthcare team a call today at 713-900-1901 to set up a free consultation.