Understanding Medicare Part A
Sometimes Medicare Part A is also called hospital insurance because it is mostly intended to help recipients pay for hospital and institutional health care costs. In addition to hospital care, it also covers skilled nursing facilities, home health services, and hospice care.
Do you need help making the most of your Medicare benefits? If you are enrolled in both Part A and Part B, you might choose between Medicare Advantage plans and Medicare supplement insurance. At Secure Health Options, we offer personal service over the phone.
The Basics of Medicare Part A
These are some things to know about Part A:
- Premiums: Most beneficiaries do not pay an additional monthly premium for Part A like they do for Part B. Beneficiaries qualify for Part A without premiums because they or a spouse paid Medicare taxes.
- Qualifying: People who have paid Medicare taxes usually qualify for Medicare at age 65, but some people may also qualify because of a disability.
- Buying Part A:Some US residents, who do not qualify for premium-free Medicare Part A because they or a spouse have not paid enough previous Medicare taxes, can also buy into the program.
- Supplements and Medicare Advantage: You need to have both Part A and Part B to qualify for Medicare supplement insurance or Medicare Advantage plans.
- Guidelines: You can learn more about your benefits in the Medicare and You hand book that is published by the US Center for Medicare and Medicaid or by contacting us for more information.
Florida Blue, formerly known as Blue Cross Blue Shield of Florida, provides both Medicare Advantage and Medicare supplement plans. Some MA plans offered by this company do not require any additional premium besides the Part B premium.
You can also choose between an HMO or PPO MA plan. The right choice probably depends upon the network of plan providers in your local area, your health needs, and your preferences. With an HMO, you need to get virtually all covered services from a network provider, but a PPO gives you more flexibility if you want to choose your own doctors and health providers.
Compare MA Plans and Supplements
We can help you find the best Medicare insurance for your needs. Start by entering your ZIP code in our quote form to request information on plans. If you have questions or need help enrolling, you are welcome to pick up the phone and give us a call. There is not one perfect solution for every Medicare recipient, but we hope to help many Floridians find the right solution for their own budget and health needs.