Turning 65 Medicare Part A and Part B

Medicare Supplement Reviews

Original Medicare is comprised of two parts Medicare Part A and Part B. Medicare Part A (hospital insurance) covers Medicare inpatient care that is care received while in a hospital, skilled nursing facility, and, in certain circumstances, at home.

Medicare Part A covers:

  • Inpatient hospital care
  • Some home health services
  • Nursing facility care provided that custodial care isn’t the only care required
  • Hospice care

The 2021 Medicare Part A hospital inpatient deductible is $1,484 for each benefit period. A Benefit Period begins when you go into a hospital or Skilled Nursing Facility and ends when you haven’t received any inpatient hospital care (or Skilled Care in an SNF) for 60 days in a row. In most cases, you will not have to pay a Part A premium if you have worked for 10 years or 40 quarters.

Medicare Part B (medical insurance) covers services provided by doctors, nurses, and other health care professionals or supplies that are needed to diagnose or treat your medical condition and meet accepted standards of medical practice, including:

  • Outpatient care
  • Ambulance services
  • Preventive services
  • Durable medical equipment
  • Part-time home care and rehabilitative services, including physical therapy

In most cases, you will have to pay a Part B premium of $148.50 in 2021, but you could pay more based on your income level.

Charmagne Preston is your Medicare Expert.  If you need help determining which options best for you let her help. Click Schedule appointment 

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