Medicare Part A: How much are you Really Covered?


The horror stories associated with uninformed decisions when enrolling for Medicare are plentiful, but what about the horrors of the unknown for automatic coverage, such as Medicare Part A.  This coverage is basically provided automatically for those who qualify, yet there are a myriad of unknowns as to what it really covers in the event of an untimely hospital visit.

Consider the following scenario: Louise is admitted to the hospital after a nasty fall and has to stay for 31 days to fully recover and go through rehabilitation.  Louise assumes that Medicare Part A will cover her for up to 100 days in the hospital as the language reads in her policy, but she then receives a bill for $1,335 for her stay.  Why?

Medicare Part A does in fact cover you for up to 100 days in the hospital, however, only the first 21 days are provided free of charge.  For each day after that the patient is charged a co-pay of $133.50 per day, which in Louise’s case is 10 days at $133.50 per day, totaling $1,335.

If you are worried about being in the same position then it might be worth your time to look into Medicare Part A a little further with a professional and consider the possibility of adding supplemental insurance to your Medicare coverage.


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