Medicare Part A
Medicare Part A covers the following:
- Inpatient hospital care: This involves all care you receive after a physician admits you into a hospital. Medicare covers up to 90 days for each benefit period in a normal hospital. Additionally, you get 60 lifetime reserve days. Plus, it covers up to 190 lifetime days in a psychiatric hospital that is Medicare certified.
- Skilled nursing facility care: Medicare covers your room and board, and some services provided in a skilled nursing facility. These include tube feedings, wound care, and medications. Medicare covers up to 100 days each benefit period. In order to qualify, you need to have spent at least three ensuing days in the hospital within 30 days of admission to a skilled nursing facility. Plus, you must have required skilled nursing or therapy services.
- Home health care: While Part B typically covers this, Part A coverage will ensue if you have spent at least three successive days in the hospital within 14 days of receiving home care. Medicare covers up to 100 days of daily care or an unlimited amount of periodic care.
- Hospice care: Medicare covers hospice care for as long as your provider deems it necessary.
Medicare Part B
Medicare Part B covers the following:
- Doctor-ordered x-rays and lab tests
- Provider services that are considered medically necessary
- Home health services like skilled nursing or therapy care
- Durable medical equipment that is appropriate for home use
- Emergency transportation by ambulance
- Preventative services, like outpatient physical, speech, and occupational therapy
- Some prescription drugs, such as immunosuppressants and select anti-cancer drugs