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Medicare part a is a type of hospital health insurance and is the largest health insurance provider in the U.S. It is typically offered to people over the age of 65, people who are disabled, and those who suffer from kidney failure.
Patients who receive this type of medicare part a benefits receive coverage for services provided by nursing homes, hospitals, critical access hospitals and skilled nursing facilities. Medicare part a will also cover services patients receive from hospice, home health care, and nonmedical health care institutions that are affiliated with a specific religion.
Patients who paid for medicare taxes while employed or who have a spouse who paid for these taxes do not usually have to pay a premium for medicare part a benefits. Those who are ineligible for free medicare part a benefits may choose to purchase this individual insurance plan.
Applicants must meet certain criteria in order to purchase the insurance plan. If they are 65 years or older and are eligible for medicare part b, they may buy the part a plan. Patients who are younger than 65 years old, disabled, and have lost their free part a benefits because they are working again can purchase medicare part a as well.
Anyone who applies for medicare must be a lawful resident of the U.S. Immigrants to the U.S. must possess five years of legal residency before becoming eligible for medicare. Low-income patients may receive assistance in paying for part a benefits and prescription drugs.
Choosing a health care plan can be a confusing experience, so it is helpful for patients to speak with an experienced Medicare representative in order to assist them in the enrollment process. By weighing the advantages and disadvantages of medicare options, patients can determine the best plans for their unique needs.