Medicare is a federal health program that covers the majority of people aged 65 and older. On the other hand, there are some younger people who are disabled or have end-stage illnesses who are also eligible for the coverage. As there are many people who realize the importance of getting Medicare, there are still those who are not convinced with the benefits. But as things happen unexpectedly, it is important to realize why it’s a must and a wise decision to have Medicare.
One of the most important things that you have to know is that Medicare can pay or covers some costs…
There are millions of Americans aged 65 and older, as well as disabled individuals who are eligible to receive Medicare benefits. In the case of skilled nursing, Medicare coverage is important in offsetting some of the expenses. Depending on the level of care needed, Medicare benefits may pay for some short-term costs.
Understanding Medicare:
Part A
To be qualified for Medicare part A may vary depending on various factors. But simply put, when a loved one is over the age of 65 and is eligible to receive social security, he/she may be able to receive the benefits under Medicare part A that pays all or some of their stay in a skilled nursing facility. Below are the coverage, regulations, limitations, and restrictions for the coverage.
- Coverage can last for up to 100 days. But, after the first day 20 days the resident must pay daily co-pay costs.
- Coverage will pay for a room, meals, nursing and rehabilitation services, medications and supplies.
- The patient must require the services of a skilled nursing facility, meaning that they require a high level of medical care.
- The individual must have spent a minimum of at least three consecutive days in a hospital. In addition, the recipient has to be admitted to the skilled nursing facility within 30 days of the hospital discharge.
Part A generally covers:
- Hospice
- Home health services
- Skilled nursing facility care
- Nursing home care
- Hospital care
Ask your doctor or other health care provider about why you need certain services or supplies, and ask if Medicare will cover them. If you need something that’s usually covered and your provider thinks that Medicare won’t cover it in your situation, you’ll have to read and sign a notice saying that you may have to pay for the service, item, or supply.
Part B
Individuals over the age of 65 who are not eligible to receive Medicare Part A are eligible for Medicare Part B. Medicare Part B, which requires the payment of a monthly premium, can help cover some of your loved one’s skilled nursing home costs.
Part B generally covers:
- Inpatient
- Outpatient
- Partial hospitalization
- Getting a second opinion before surgery
- Ambulance services
- Durable medical equipment
- Mental health
- Clinical research
- Limited outpatient prescription drugs
Ask your doctor or other health care provider about why you need certain services or supplies, and ask if Medicare will cover them. If you need something that’s usually covered and your provider thinks that Medicare won’t cover it in your situation, you’ll have to read and sign a notice saying that you may have to pay for the item, supply or service.