How can you tell if your Medicare health insurance plans will cover your hospital costs?
Medicare health insurance plans are the result of a government-funded program that provides health insurance for participants over the age of sixty-five. There are several components of Medicare; Part A covers hospital care, hospice care, nursing facility care, and home-based care, Part B covers certain doctors’ expenses, outpatient care, and preventative services, Part C encompasses advantage plans that are similar to a combination of the other three parts, and Part D covers prescription medication. To check what type of coverage you have, refer to your red, white, and blue Medicare card, or call 1-800-MEDICARE.
The two main components of medicare health insurance plans are Part A and B coverage. Part A covers hospital visits, such as inpatient procedures and long-term care, nursing home costs, hospice care, usually given in the home, and home care services, including nursing care, physical therapy, and speech-language pathology services. You qualify for Part A if you’re already getting Social Security benefits, are under 65 and disabled, have Lou Gehrig’s disease, or if you’re automatically enrolled in Medicare. Your coverage begins in the month one turns 65, unless the birthday falls on the first of the month, in which case coverage begins to previous month.
Not all hospitals accept Medicare. This is based on serval factors: federal and state laws, national coverage decisions, and local companies’ decisions about whether a treatment or procedure is medically necessary. There is no hard-and-fast rule on whether a hospital is enrolled in the Medicare program; many doctors are now opting out of enrollment. However, medicare health insurance plans are accepted by nearly five thousand different hospitals throughout the country. A full and updated list of hospitals who do accept medicare health insurance plans is provided at data.medicare.gov/dataset/Hospital-General-Information/v287-28n3.