Medicare is health insurance provided by the federal government for people 65 or older, younger people with disabilities, and people with End-Stage Renal Disease (ESRD). Medicare HIB (Part A) covers Hospital Insurance Benefits.
Medicare HIB, also known as Medicare Part A, is hospital insurance. Coverage includes inpatient care in hospitals, rehabilitation facilities, religious nonmedical health care institutions, hospice, and skilled nursing facilities. Other services that Medicare Part A covers are blood, medication and treatments while an inpatient at a facility, semi-private rooms, and home health care services.
Inpatient stays at hospitals, hospices, inpatient rehabilitation facilities, skilled nursing facilities, and mental health care facilities are covered by Medicare Part A or Medicare HIB. Semi-private rooms, medication as part of inpatient treatment, and meals are included. Private rooms are only covered if it’s determined medically necessary. Private Nurses and personal care items are not covered. Televisions and telephones are also not covered by Medicare, but are sometimes provided free of charge by hospital or facility.
Hospitals usually receive free blood from blood banks, but if they have to buy blood for you, you have to pay for the first three units received per calendar year or have someone donate to replace it. Some other services covered by Medicare HIB are home health services such as skilled nursing care, physical therapy, social services, home health aides, and durable medical equipment. These services are limited to medically-necessary part-time or intermittent. The services must be ordered by a doctor and performed by a Medicare approved company.