What is Medicare and what does it cover?
Medicare is a federal health insurance program (administered by the Centers for Medicare and Medicaid Services (CMS)) for people age 65 and over and certain disabled people under 65.
Medicare is divided into two parts:

Hospital Insurance - Part A:
-Part A covers care provided by a skilled nursing facility to help a beneficiary recover from an acute illness or injury. Medicare provides full coverage for the first 20 days of care in an skilled nursing facility and a portion of the costs for skilled nursing facility care for days 21-100. During this period, the patient pays a daily coinsurance rate.
-Any Medicare A stay requires a 3-day hospital stay within 30 days of admission to a skilled nursing facility

Medical Insurance – Part B:
-Part B is a supplemental program for which you must pay an annual premium and a deductible for all covered services, including physician services.
-Essentially, Part B coverage relates to ancillary services such as physician services, lab work, x-rays, and therapy.
In some cases, Part B may cover short-term services – such as physical or other therapies – within an assisted living facility.
-After meeting the deductible, Part B pays 80 percent of the reasonable charges for covered services only.
-Part B may pay for covered services you receive from your doctor while in a skilled nursing facility from the time of admission.

Show All Answers

1. How do you apply for Medicare?
2. What services are not included under Medicare Part B?
3. What services are not covered by Medicare within a skilled nursing facility?
4. What services does Medicare cover within a skilled nursing facility?
5. What are the eligibility requirements for Medicare coverage in a nursing facility?
6. What is Medicare and what does it cover?