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Demystifying Medicare: Understanding the Coverage of Medicare Part A and Part B

Are you navigating the Medicare labyrinth and puzzled by what Medicare Part A and B cover? You're not alone. Understanding the ins and outs of Medicare can be daunting, but fear not—we're here to shed some light on the matter.

In this comprehensive guide, we'll break down what Medicare Part A and Part B encompass, helping you make informed decisions about your healthcare coverage. Plus, we'll introduce you to Preferred Senior Benefits, your trusted partner in unraveling the complexities of Medicare.

Medicare Part A: Hospital Insurance

Medicare Part A, or Hospital Insurance, primarily covers inpatient hospital stays, skilled nursing facility care, hospice care, and home healthcare services. Here's a closer look at what's included:

  • Inpatient hospital care: Coverage for medically necessary hospital stays, including semi-private rooms, meals, general nursing, and other hospital services and supplies.

  • Skilled nursing facility care: Limited coverage for skilled nursing care and rehabilitation services following a qualifying hospital stay.

  • Hospice care: Comprehensive coverage for palliative care and support services for individuals with terminal illnesses.

  • Home health care: Coverage for medically necessary part-time or intermittent skilled nursing care and home health aide services.

Medicare Part B: Medical Insurance

Medicare Part B covers outpatient medical services and supplies, including doctor visits, preventive services, durable medical equipment, and certain home health services. Here's what you need to know:

  • Doctor visits: Coverage for medically necessary services provided by doctors, physician assistants, nurse practitioners, and other healthcare professionals.

  • Preventive services: This plan covers various preventive screenings, vaccinations, and counseling services to help maintain your health and detect potential issues early.

  • Durable medical equipment (DME): Coverage for medically necessary equipment like wheelchairs, walkers, and oxygen equipment.

  • Outpatient care: This includes coverage for outpatient services such as lab tests, X-rays, ambulance services, and mental health care.

How Preferred Senior Benefits Can Help

At Preferred Senior Benefits, we understand that navigating Medicare can be overwhelming. That's why we're dedicated to providing personalized assistance to help you understand your coverage options and make confident decisions about your healthcare.

Whether you prefer in-person consultations, phone conversations, or virtual meetings via Zoom, our team of experienced advisors is here to guide you every step of the way. We'll help you thoroughly explore Medicare Part A and Part B coverage, answer your questions, and ensure you're enrolled in the right plan for your needs and budget.

Don't let Medicare confusion prevent you from accessing the healthcare you deserve. Contact Preferred Senior Benefits today to schedule your consultation and take the first step toward peace of mind.

About Preferred Senior Benefits in Meridian, Idaho

Medicare is a federal program that provides healthcare coverage to individuals 65 or older. Original Medicare coverage is broken into two parts—Part A and Part B—and is accepted by nearly every doctor and hospital in the country. Medicare Part A covers inpatient or hospital stays, while Part B covers outpatient or medical care. Parts A and B cover about 80% of the typical healthcare costs that seniors face. This leaves a few significant gaps in coverage. Medicare Supplement (Medigap) and Medicare Advantage plans are policies designed to help extend coverage, lessen costs, and give beneficiaries peace of mind. If you or someone you know would like more information about how to enroll in Original Medicare or one of the Medicare Advantage plans, call now to speak with a licensed agent (208) 818-2523. We can't wait to help you learn about your options.

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