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Medicare Part A and B – What’s the Difference in Plans?

Medicare part A and B differ in various ways. Each plan has its own benefits that may be right for you, depending on what type of health insurance you need. Part A is hospital insurance that is provided by Medicare.

It includes nursing homes, critical access hospitals, skilled nursing facilities and inpatient care in hospitals. It does not include custodial care or long term care. Private insurance companies act as agents for the federal government while paying and processing claims for Medicare. Part A usually does not require a premium unless you or your spouse did not pay taxes for Medicare while working.

One way that Medicare part A and B differ is what the plans cover. Part A covers blood transfusions, hospital stays, home health services, skilled nursing facilities, and hospice care. Hospital stays include a semi-private room, as well as general nursing, meals, and various supplies and services. Home health services include medically necessary part time care and services, and may include medical equipment. Skilled nursing facility stays must be related to a diagnosis received during a stay at a hospital. Hospice care is provided for symptom control and pain relief drugs, as well as medical services and grief counseling.

Part B is the other part of Medicare part A and B, and covers other aspects of Medicare. Part B is provided by the federal government to those who are eligible for its benefits. It includes things that are not covered by part A like some home health care services, occupational and physical therapies, and outpatient care. It also covers other doctor’s services that are medically necessary.

Most individuals must pay a premium for part B. This is usually deducted from the state you live in order to pay your deductibles or premiums.

Part B of Medicare part A and B covers preventive treatments, tests and other services that are common for patients of health patients. It covers diabetic screenings if you have high blood sugar or high blood pressure. Lab services are provided such as blood tests.

Bone mass measurement may be provided as medically necessary or every two years. Glaucoma tests are covered one a year if they are performed by an eye examiner that is legally authorized. Diabetic supplies are also included, such as lancet devices, monitors, therapeutic shoes and test strips. If prescribed by your doctor, you may also receive diabetic self management training.

Dave Miller recommends visiting this educational site for more information and details on Medicare and the different parts of the plan.

Over65Insure.com is a industry leader in providing education and insurance for seniors.