Richland Hills Medicare Insurance
Richland Hills Medicare Insurance Definition:
Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD). If you or your spouse have worked full time for 10 or more years over a lifetime, you are probably eligible to receive Medicare Part A for free. If you have to buy Part A, you’ll pay up to $413 each month.
Part A covers medically necessary inpatient hospital care, which is care that you receive as a formally admitted hospital inpatient. You must be formally admitted into the hospital by a physician in order for your care to be considered inpatient hospital care. You may face different costs if you are a hospital outpatient, meaning you receive services at the hospital but are not formally admitted.
If you are a hospital inpatient, Part A covers:
- A semi-private hospital room and meals
- General nursing care
- Medically necessary medications
- Other hospital services and supplies
Richland Hills Medicare Insurance does not cover:
- Private duty nursing
- A private room (unless medically necessary or if it is the only room available)
- Personal care items (such as razors or socks)
- A television or telephone in your room
After meeting your Part A deductible, Original Medicare pays in full for the first 60 days of your benefit period. After day 60, you will pay a daily hospital coinsurance. Part B continues to cover any outpatient provider services you receive while in the hospital. You usually owe a separate 20% coinsurance for these services.
SNF care is post-hospital care provided at a SNF. Skilled nursing care includes services such as administration of medications, tube feedings, and wound care. Keep in mind that SNFs can be part of nursing homes or hospitals.
Medicare Part A may cover your SNF care if:
- You were formally admitted as an inpatient to a hospital for at least three consecutive days
- You enter a Medicare-certified SNF within 30 days of leaving the hospital, and receive care for the same condition that you were treated for during your hospital stay
- And, you need skilled nursing care seven days per week or skilled therapy services at least five days per week
Note: the day you become an inpatient counts toward your three-day inpatient stay to qualify for Medicare-covered SNF care. However, the day you are discharged from the hospital does not count toward your qualifying days. Also remember that time spent receiving emergency room care or under observation status does not count toward the three-day hospital inpatient requirements for SNF coverage.
If you meet all of the above requirements, Richland Hills Medicare Insurance should cover the SNF care you need to improve your condition, maintain your ability to function, or prevent your health from getting worse.
During a Medicare-covered SNF stay, Part A covers:
- A semi-private room and meals
- Skilled nursing care provided by nursing staff
- Therapy, including physical therapy, speech therapy, and occupational therapy
- Medical social services and dietary counseling
- Medical equipment and supplies
- Ambulance transportation to the nearest provider or needed services, when other modes of transportation would endanger your health.
For each benefit period, Part A covers the full cost of your first 20 days in a SNF. For days 21-100, Part A covers part of the cost and you pay a daily coinsurance. If you need more than 100 days of SNF care in a benefit period, you will need to pay out of pocket.
Richland Hills Medicare Insurance Eligibility
Generally, Medicare is available for people age 65 or older, younger people with disabilities and people with End Stage Renal Disease (permanent kidney failure requiring dialysis or transplant). Medicare has two parts, Part A (Hospital Insurance) and Part B (Medicare Insurance). You are eligible for premium-free Part A if you are age 65 or older and you or your spouse worked and paid Medicare taxes for at least 10 years. You can get Part A at age 65 without having to pay premiums if:
- You are receiving retirement benefits from Social Security or the Railroad Retirement Board.
- You are eligible to receive Social Security or Railroad benefits but you have not yet filed for them.
- You or your spouse had Medicare-covered government employment.
Ashford Insurance is an Independent Marketing Organization working with UnitedHealthcare® Medicare Solutions. Attend one of our local Medicare Seminars: Meeting List
We promote Medicare insurance plans through UnitedHealthcare® Medicare Solutions branded products. We specialize in Richland Hills Texas Medicare Insurance.
Ashford Insurance offers UnitedHealthcare® Medicare Solutions Medicare Advantage Plans. You can get your Richland Hills Texas Medicare benefits through Original Medicare, or you can choose a Medicare Advantage Plan. With Original Medicare, the government pays for your Medicare benefits when you get them.
Ashford Insurance offers Richland Hills Texas Medicare Supplement Insurance Plans also called Medigap or Medsup. Medicare Supplements are standardized by the Federal Government. They are labeled A, B, C, D, F, G, K, L, M and N. Each standardized Medigap policy must offer the same basic benefits no matter which insurance company sells it.
Ashford Insurance offers Richland Hills Texas Part D Prescription Drug Plans. Part D Plans are coverage for retail prescription drugs, or the medications that you pick up at a pharmacy. This is a voluntary program which allows you to access medications at an affordable rate, and insures yourself against any prescriptions you may need future.
Ashford Insurance offers Medicare Advantage Chronic Plans (Part C of Medicare) from UnitedHealthcare® Medicare Solutions for Medicare Eligibles with certain chronic conditions.
Upon completing a tour in the US Air Force (196-1970) and a career in the Railroad Industry as a Switchman, Brakeman, Conductor, Fireman, and Locomotive Engineer (1971-2006) I felt the desire to follow in my father’s footsteps and enter the Medicare insurance industry.