Medicare was created to cater to the needs of elderly and retired persons. It is there to help augment the high medical costs that elderly people face since they are no longer earning. It has been paid for through Social Security taxes from their paycheck when they still have a job.

Medicare health program has different parts that detail the different coverage. They are the Medicare Parts A, B, C and D. Part C and D are usually provided by private health insurance. It means more or additional coverage will benefit the member. As a member, it is good to know what coverage each part has or which medical expense it does not cover.

So what is covered by Medicare part A? It provides basic hospital needs for qualified applicants. Hospital coverage is very important especially on emergency situations. It shoulders part of the hospital expense but not all. Still, it can be a great relief when hospital cost can get very high.

Aside from basic hospital expenses, it also covers some in-patient medical expenses. Services such as nursing care facilities are covered on this part of the Medicare program. Home health care service is also covered in this part. Home health care can be costly and Medicare shouldering part of this expense is a good comfort to the one needing it.

Nursing homes, hospice services and other non-medical health care homes are also included in the coverage of Medicare part A. it is a big help for people who are 65 years old and above because most of them are living in nursing homes and under the care of health service facilities. This is something that would really benefit them knowing that they will be taken care of until the end of their lives.

This part of the Medicare program can be available for a cost even if you are more than 65 years old as long as you are able to meet certain requirements. You can purchase this 3 months prior or up to 3 months after your 65th birthday. Enrollment periods are from January 1 to March 31 of every year. Part A covers these medical benefits: Inpatient care in semi-private hospitals which includes nursing service, prescribed drugs and meals during hospital stay; Hospital supplies, blood transfusion when needed, occupational therapy. Even physical therapy and speech therapy is included when they are deemed necessary for the patient’s recovery. Nursing homes and hospice services for patients who are terminally ill is also covered. But only up to 100 days of use of nursing care facility is only covered and this includes nursing service, semi-private room, rehabilitation services and meals during stay.

Those that are not covered are dental care and checkups, cosmetic or aesthetic surgeries, annual check-ups, long-term care, insulin and syringes for diabetic patients, routine eye and ear exams as well as prescription glasses and hearing aids. Prescribed medications are also not covered.

Having a Medicaid or a private health insurance provider along with your Medicare part A will help cover those that are not included in your health insurance program. It only provides necessary medical services, although helpful, is not enough especially when you require long term care and treatment.

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