Medicare Supplement Part A Deductible Rider

Part A Deductible Rider

Part A Deductible Medicare Supplement Costs

The Part A Medicare Supplement Rider covers the Part A deductible.  This amount can change but for 2017 is $1316.00 per period or 90 days. Part A charges are also only covered at 80% the 20% would be covered by the base.  For more information on the Wisconsin Medicare Supplement riders call us at 920-545-4884 Please read below for more details on Part A of Medicare.

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Medicare Part A is a component of Original Medicare (along with Part B), the government-sponsored healthcare insurance system for individuals who qualify by age, disability, or certain health issues.

Medicare is typically accessible to United States citizens and permanent legal residents of five years in a row, who are at the very least 65 years old or collect disability benefits. The majority of individuals who qualify for Medicare are automatically registered in the program.

Most men and women do not have to pay out a premium for Medicare Part A. If you or your husband or wife worked at least 10 years or forty-quarters and paid Medicare taxes while employed, you will get cost-free Part A. If you do not qualify for cost-free Medicare Part A, you will usually pay a premium each month for your coverage.

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What is Part A?

Part A is hospital insurance furnished by Medicare using the Centers for Medicare & Medicaid Services. Part A coverage consists of (but may not be limited to) inpatient treatment in hospitals, nursing homes, skilled nursing facilities, and critical access medical facilities.

Part A does not offer long-term or custodial care. If a person meets specified requirements, then that person may also be eligible for hospice or restricted home health care.

If you are enrolled in Original Medicare, physicians and suppliers are obligated by law to submit Medicare claims for covered treatments and supplies you obtain. In many cases, you don’t need to submit Medicare Part A claims as a recipient.

What Does Part A Cover?

Medicare Part A is primarily hospital insurance

Coverage for doctor visits and medical services and supplies, see Medicare Part B. Part A helps deal with the services detailed below when medically necessary and provided by a Medicare-assigned health-care professional in a Medicare-authorized facility.

Blood Transfusions

In many cases, the hospital gets blood from a blood bank at no cost, so if you get blood as part of your inpatient visit, you will not have to pay for it or replenish it.

If the facility is forced to purchase blood for you, typically you need to cover for the first three units you receive in a calendar year or have it donated on your behalf.

Medicare Part A covers the price of blood after the first three units you get during a covered visit in a hospital, critical access hospital or a skilled nursing facility.

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Medicare and Hospitalization

Part A deductible rider

Part A typically covers staying in the hospital, which includes a semi-private room, all of your meals, general nursing services, and specific hospital services and medical supplies. Part A typically covers inpatient care in:

  •  Critical Access Hospitals
  •  Inpatient Rehabilitation Centers
  • Qualified Clinical Research Studies
  • Long-Term Care Hospitals
  • Psychiatric Facilities (190-day lifetime maximum)

Part A will cover the above-listed services as long as the following are true:

  •  Inpatient care for a minimum of two nights is ordered by a doctor
  • The Hospital accepts Medicare and agrees to admit you as an inpatient
  • The care you require can only be provided in a hospital
  • The hospital’s URC (Utilization Review Committee has approved your stay

Skilled Nursing Facility or Nursing Home

  • You have had a qualifying inpatient stay of at least three days. The qualifying time begins the first midnight after your admission but does not include any hours the day you are discharged.
  • The skilled nursing facility must be Medicare-certified.
  • Your physician has decided that you need skilled nursing care every day. The care must be provided by (or directly supervised by) skilled nursing or therapy staff.
  • You have not used all of the days in the benefit period.
  • Your medical condition requires skilled nursing services for a hospital-related condition or a condition that began when you were getting skilled nursing care for a hospital-related medical condition.

As with any government provided program, Medicare Part A can be difficult to understand and comprehend. For further information about Medicare Part A or Part B, you can contact us at 920-545-4884 anytime for a free consultation.  There is never a fee for our services.

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