Last updated on: November 08, 2022
When signing up for Medicare, it can be easy to find yourself feeling overwhelmed by the range of options and different parts you are eligible to sign up for in MI.
You might be curious about what exactly Medicare Part A covers, as opposed to parts B, C, or D. What is Medicare Part A? What can I get from it in MI? Read on to learn more.
Overview of Medicare Part A coverage in Michigan
At the simplest level, Medicare Part A may seem like just the most basic level of coverage, but in specific it covers the kind of short-term hospital or medical facility stays that might otherwise prove extremely costly to seniors in MI.
In general, Medicare Part A covers costs related to inpatient care in a hospital, skilled nursing facility care, nursing home care (not custodial or long-term), hospice care, and home health care.
In order for care to be covered, a doctor must recommend it. Additionally, the hospital in MI needs to accept Medicare part A coverage.
Part A covers every hospital stay under sixty days with a $0 copay and a $1556 deductible. However, there is a $381 copay for stays between sixty to ninety days. Part A will cover a semi-private room, meals, general nursing, medication as necessary, and other hospital services and supplies as part of your inpatient treatment. Part A will also help cover similar time spent in other short-term environments, including ninety lifetime days of mental hospital care if necessary.
What is Medicare Part A Unable to Cover in Michigan?
For most general hospital stays (barring exceptionally long ones), part A should be able to help you more easily cover those costs.
However, stays beyond a length of a hundred days or more are typically not covered by Medicare Part A in MI. This kind of coverage should handle the vast majority of necessary hospital visits and similar care that could prove prohibitively expensive otherwise.
For most people who worked and paid Medicare taxes on their wages for ten or more years, there are zero monthly costs for Part A coverage.
Together Parts A and B do not cover long-term care, most dental care, eye exams related to prescribing glasses, dentures, cosmetic surgery, acupuncture, hearing aids and exams for fitting them, and routine foot care. If not covered, these will typically come out-of-pocket unless you have other insurance or a supplemental Medicare health plan that covers them.
What Can You Get With Medicare Part A and B Combined in Michigan?
Typically and most frequently Medicare Part A and B are paired together in MI.
Part B covers medically necessary services and preventative services. This includes things like ambulance services, and limited medication (typically treatments you could receive in an outpatient setting or a doctor’s office).
Together Parts A and B do not cover long-term care, most dental care, eye exams related to prescribing glasses, dentures, cosmetic surgery, acupuncture, hearing aids and exams for fitting them, and routine foot care. If not covered, these will typically come out-of-pocket unless you have other insurance or a supplemental Medicare health plan that covers them in MI.
Additionally, some services may only be covered in certain facilities or for patients with certain conditions. If you’re ever unsure if a service is covered, all you need to do is ask your doctor or other medical providers for more information.
Medicare Part A coverage is the cornerstone and core of any Medicare plan, and essential to keep a surprise hospital stay from being an exorbitantly costly one. Those interested in Medicare Part A should be automatically enrolled when initially applying for retirement benefits or disability benefits. However, it might be best to look into if a supplemental plan is right for you within the enrollment period to avoid any lapses in coverage or penalties.
At EnrollMedicare.com, we’ll help you compare rates to find the best Medicare supplemental insurance for you. If you think you might need greater care than parts A and B alone might provide, we can help you find the best plan for you in a price range that works best for you. We can help you compare prices quickly (often in a minute or less). Talk to one of our representatives today for more information and we’d be happy to help you.
Categories: Medicare Articles, Turning 65, Medicare Part A & B (Original Medicare), Medicare Coverage