Medicare Part A
You might hear some people refer to Medicare Part A insurance in IL as Medicare hospital insurance. That’s because Part A is the portion of Medicare that will help you pay for inpatient care. In addition to hospital visits, coverage includes benefits for skilled nursing, inpatient rehabilitation, physical therapy, and hospice care. Even though Part A can help you pay for inpatient services, it won’t completely protect you from medical bills.
Most seniors in Illinois don’t have to pay a premium for Part A as they do for Part B. Part B concentrates mostly on outpatient health care. With Part B, you would still be responsible for uncovered services, copays, and deductibles.
In contrast to Part A coverage for inpatient care, Medicare Part B covers outpatient services and products. With only Part A, you won’t get visits to the doctor, durable medical equipment you take home, or lab tests covered. Medicare Part A typically only covers health care inside the United States and up to Medicare-approved amounts. If you plan to travel outside the country, you probably won’t be covered. Deductibles and coinsurance that you will have to pay include deductibles for hospital stays and daily coinsurance after 60 inpatient days.
We Can Help
These gaps and limits to coverage can generate considerable expenses, so they make it difficult for retirees to plan for a secure financial future. Our experienced agents can show you a variety of plans to improve your Medicare coverage.