Medicare History and Resources

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Sample Medicare Card

Coverage Fosters a Healthy Elderly Life Plan

Medicare Plan Eligibility – As we age, and enter retirement, or as our parents grow older, and we can no longer care for them, a growing concern we come across is how to deal with this change. Overall, the increasing lifespan that we are experiencing is a positive, but this change also brings new questions as to ongoing care for both ourselves and our elders. As people live longer, more active lives, the importance of Medicare has increased. In the most basic of terms, Medicare is a national health insurance program sponsored by the U.S. Government and managed by the Social Security Administration, which one is entitled to, regardless of income, once they reach the age of 65. In certain cases, those with unique circumstances like kidney failure can qualify as well. While Medicare used to be an ugly term synonymous with the harsh reality of ‘I’m old,’ times are changing and so are the benefits and freedoms that come along with Medicare. Medicare plans today are currently split into four parts: Medicare Part A, Medicare Part B, Medicare Part C, and Medicare Part D (very original naming convention).

Medicare Part A Coverage

Medicare Part A is the most traditional of the four Medicare divisions given that this coverage focuses on hospital stays, nursing facility care, home health care, psychiatric inpatient care, and hospice care. Most people automatically get Medicare Part A coverage without having to pay a monthly Medicare Premium, because they or a spouse paid Medicare taxes while working. If you get benefits from Social Security or the Railroad Retirement Board (RRB), you automatically receive Part A starting the first day of the month you turn age 65. If you are under age 65 and disabled, you automatically get Part A after you get disability benefits from Social Security or certain disability benefits from the RRB for 24 months.

Medicare Part A Insurance

Medicare helps to encourage a more active senior; with the goal being to provide support and assistance in helping an elderly loved one recover to a healthy lifestyle. If one gets sick, Medicare Plan A will cover a semi-private room, meals, general nursing, inpatient drug treatments, and other hospital services and supplies. If one then needs more assistance, Part A will also cover a semi-private room, meals, and rehabilitative services in a skilled nursing facility. To qualify for this type of care in a skilled nursing facility, you must need daily skilled care like intravenous injections or physical therapy; and take note that Medicare will not cover long-term care or custodial care in this setting. (The maximum length of stay that Medicare Part A will cover in a skilled nursing facility per sickness is 100 days. The first 20 days would be paid for in full by Medicare with the remaining 80 days requiring a co-payment. If a beneficiary uses some portion of their Part A benefit and then goes at least 60 days without receiving facility-based skilled services, the 100-day clock is reset and the person qualifies for a new 100-day benefit period.)

Medicare Part A Benefits

Traditional Medicare Coverage is now adapting to a new type of senior, with a new type of lifestyle. Even Medicare Plan A insurance which is referred to more commonly as ‘hospital insurance’, focuses on helping one recover from injury or sickness, and transition back to an active and enjoyable lifestyle. Gone are the days where Medicare coverage was seen as a negative transition into a sedentary lifestyle; now Medicare plans act as the backbone of support for a second chance and a new outlook on life.