Medicare Coverage: Part A

 I want to start off by introducing myself. I am a Medicare Specialist. So when you call the phone number 1(800) Medicare or 1(800)633-4227, I am the specialist that you would speak to.I have been working for Medicare for 4 years. 

Today I am going to answer some of my most asked questions about Medicare Part A coverage. 

Helpful Tip:

The page numbers listed below will be referenced to where you will be able to find the specific information in your "Medicare & You" Handbook. 

What is Medicare Part A Coverage?

If you are admitted into the hospital as an inpatient, your Provider (Doctor), will bill Part A Medicare coverage. 

What does Part A Cost?

For most people, Medicare Part A is free as long as you (and/or) your spouse has either.......... (page 22)

• Have earned at least 40 credits

• Have worked at least 10 years 

What does Part A cost if I don't have enough credits?

If you don't have enough work time or credits you can still purchase Part A. The Federal Government determines what the Part A and Part B Premium amount will be for the year. (page 22)

As of 2023:

The Part A monthly premium payment could range from $278 to $506 depending on how long you and/or your spouse has worked & paid Medicare Taxes. (page 22)

Medicare Parts A &  B premium amounts are determined by the Federal Government every year. 

What is Medicare Part A?

Medicare Part A is the 🏥 (hospital) coverage. (page 9)

What does Part A Cover?

Part A covers 🏥 (hospital) administration (page 9)

What Facilities does Part A Cover? (page 9)

• Acute Hospital Facilities 

• Rehabilitation Facilities 

• Skilled Nursing Facilities 

• Hospice Care

• Home Health Care Service 

How much does Medicare Part A Cost

How much does Medicare Part A Cost? 

Medicare Part A has NO  Monthly Premium (the $ amount to pay each month), as long as you or (your spouse) have either 40 credits or if you have worked & (paid into Medicare Taxes) for at least 10 years or more.

What is Medicare Part A?:

Medicare Part A is the Hospital (Inpatient) insurance coverage. 

If you get hospitalized, as an inpatient in the 🏥 hospital & if the (Dr signs admission papers) to admit you into the hospital. 

How much will I be Billed?

If you get admitted as an inpatient in the (Hospital, Rehabilitation Center, or a Skilled Nursing Facility) then you will be billed (as of 2023) $1600 for the Part A Deductable, (unless you have a Medigap, Supplemental Plan) from the hospital, Before Medicare Pays.

After you (or your Medigap Plan) has been Billed for the Part A Deductible, then Medicare will Cover All Costs for the 1st 60 of the Benefit Period. 

In case your 🤔 wondering what the Deductable is?????

The Deductable is the amount you must pay before Medicare Pays.

What is a Benefit Period?:

The Benefit Period starts the day that you are admitted into the hospital & does not end until you have been out of the hospital for at least 60 consecutive days in a row.

Example: 

If you get admitted in to the 🏥 hospital for 5 days, then your released to go 🏡 home on the 6th day. 

You then go 🏡 home & are out of the 🏥 hospital for 6 weeks, then you go back to the 🏥 & are admitted for 3 weeks. 

Explanation:

Your Benefit Period started when you were admitted into the hospital, since you have NOT been released or (@ 🏡 home) for at least 60 days or more, you would still be in your 1st benefit period. 

Medigap (Supplemental Plan):

For those of you who have Purchased a Supplemental (Medigap Plan), you will NOT be Billed for the Part A Deductable because your Medigap plan will pay at 100%😁

All Supplemental (Medigap) Plans normally pays 100% of the Part A Deductable for you!

The amount you will be Billed after your Deductible & after Medicare pays it's portion will depend on which Medigap Supplemental Plan you have.

Where can I find what my Medigap (Supplemental) Plan Covers?:

You can find Details about your Medigap (Supplemental Plan) Covers in your (2023) Medicare & You Handbook: Page #76

Page #76 has a chart of all the Medigap plans offered. If you know the letter of the plan you have, (A, B, C, D, ect), you would find the letter of the plan look below that letter to find details about what that plan covers.

Plans C & F are NO Longer available to purchase!

Helpful Tip about Medigap Plans:

Medigap Plan "G" is the best plan to have because it pays all cost, EXCEPT  (as of 2023) $226 Part B Deductible, at 100% of the cost that Medicare does NOT pay.

Explanation:

If you get Medigap Plan G, after you have been Billed up to $226 Part B Deductible, you will NOT received any Bills, for any other services, for the rest of the year!

If you get the Medigap High-Deductible Plan you will be Billed up to whatever $ amount the Deductible is before the plan starts to pay for services after Medicare has paid it's portion. 

Learn About Medicare

 Learning About Medicare!

* Parts of Medicare

* Medicare Options

* Cost of Medicare

* How can You Get Help with       Medicare Cost

* Medicare Advantage Plan         Options

* Medigap Plans

* Medicare & You Handbook       2022 & Key Pages that you         may need.

  But DON'T take my word for    it!!!!!! 

  I will give you other                 Resources & tell you how to     Verify the Info so that you         can be CONFIDENT that I     am giving you the CORRECT     Info.

Medicare: Parts A

 Part A:

Part A is Hospital Coverage.

Part A Covers:

* Covers Hospital Stays (2 or More Days. Hospital admission) 

* Skilled Nursing Facility

* Rehab

* Hospice

* Home Health

Happily Separated

So, I have been trying to get happily separated! I bet your like 🤔? What does that mean? "Happily Separated?"
For most people, who have taken all that they can take in a relationship, finally come 2 a point where they " Call It Quits" & just "Break up".
Well in my case, my marriage has been over 4 me for over a year now. I have constantly voiced my opinion, 2 my ex, that " I am so over & done with arguing, everyday, literally all day long". I have also said to him on a daily basis that "I want to be by myself"!

I am @ the point in my life where I just want 2 be "Happy" & "@ Peace"! I definitely don't want to be responsible for nobody else's happiness but myself & my kids! I don't have the "energy" or the "want to", to argue deal with any drama of any kind. 
Most importantly, I don't feel the need to live up to anybody's standards of how I should act, what I should do, or how they think that I should live my life, in order to make that person happy!
With that being said, here is my problem....
My ex knows how I feel & he knows that I want to be by myself because I tell him constantly & on a daily basis. 

The problem is that he refuses to let go & leave my home😭, that I paid for!

I honestly DON'T want to be in a relationship with anyone. I want to be by myself. 
You have absolutely no idea how truly I "WISH" 2 be " "LONELY"!
Lonely for me is PEACEFUL. 

It has gotten so bad that I want to leave my home, that is paid for, & pay somebody rent, just so that I can get away from him bc I know if I don't I will be absolutely so miserable to that point that I seriously consider suicide bc I feel that it is the only way that I can get away from him & finally be in peace. The only thing that keeps me from doing it, is because I don't know what my 16 year old daughter will do without me because I am her only parent. Her biological Dad died, from driving & driving, not that he was ever in her life, bc he made the decision to be an alcoholic instead of a Dad.

So, what is there to do when you can't physically make someone leave your home?

What do you do when you make a decision for yourself but the other party refuses to leave or give up?

What do you do when someone refuses to except that the relationship is over?

The only thing that I can come up with is to leave my own home. The only problem with that is that I have no transportation.

I feel absolutely stuck & hopeless.

Starting A New Life After Divorce

After my had made my mind up that I am going 2 get me & my kids out of the TOXIC marriage that I am now ending, I am determined 2 live for me & my kids!

Not long after that I got a Great Job! When I met my soon 2 be ex-husband I worked as a cook/waitress/cashier making $5.00 an hour. I worked 7 days a week, 12 hour days, for 2 years. 
I was a single mom & I had worked since I was 16 years old. By the time I was 16, I had a job my own car, my own apartment, & I was in school.

So when I 1st met my ex-husband, after a week or so he asked me 2 quit my job bc he was going 2 take care of me.

At the time I was LOVING the idea of being home after my kids got home from school so that I could spend some much needed time with them, that I haven't had much of in a while, since working so much. Taking his word 4 it, I quit my job & I haven't worked for 6 years.

So, I decided 2 trust the 1st man in my life! What a HUGE MISTAKE that was!!!!

It was almost impossible 2 get a job after having a 6 year gap in my work history. After going online, indeed.com 4 a year, God finally BLESSED me with an amazing job.

I started my new job on the 7th of this month! After being in training for 2 weeks, I am Certified as of 2day! I am a Certified CSR(Customer Service Representative)🎉!

I now work for Maximus Federal. I take incoming phone calls about health insurance. We are contracted with Marketplace, which means that I work for the Government. I am making more $ that I have ever made, & I have great benefits!

By leaving my toxic, abusive, relationship, I hit the ground running with my new found freedom in life!

My favorite quote is " Life Is What You Make It!" For the 1st time in my life, I am making my life what I want it 2 be!!!! 

I thank God 4 the Great Job that he has Blessed me with!!!! After I save up enough $ 2 be able 2 afford a car & get it legal, I plan 2 work full time if any way possible, & if not I will work part time, & go back 2 Nursing School 2 try 2 make My Own Dreams Come True!!!! At least that's what I want 2 do & am going 2 work towards.

Ways That You Can Help an Abuse Victim

 Ways that you can help an abuse
  victim:

* Let the victim know that you will be available day or night, when or if they need you, even if it may be just to talk.

* Remind the victim often that they are NOT ALONE!

* If  & when the victim informs you that they are ready to "Get Out Of The Abusive Situation, ask " How can I (you) help? " Or " What Can You Do 2 Help? "

* You can do " Research on Abuse ", 4 the victim such as:

 • Call & Get " Information on what services the abuse help center offers 4 abused woman" 

* Get " Advise"  from a local Abuse Help Center in your area or Call an Abuse Hotline 

  • National Violence Hotline #:
            1-800-799-7233

   • Crisis Hotline # :
       Call: 1-800-273-8255
       Text "Care" to 839863

• Domestic Abuse Hotline # :
    
 ∆  Abuse Websites:

 *
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