Medicare Part A in Pennsylvania
Getting Medicare Part A in Pennsylvania is a popular option for eligible applicants. Medicare Part A plans are used by most people who qualify for Medicare, although having Part A is not always required. Part A coverage is commonly referred to as hospital insurance, meaning that it covers services relating to medical treatment in various hospital settings. Part A and Part B insurance is also called Original Medicare when combined. Many applicants who qualify for Medicare Plan A will receive coverage for free, but those who do not meet the criteria must pay a monthly premium. When considering the Medicare Part A cost, it is important to be aware that even those who receive premium-free coverage will have certain expenses relating to their care. Beneficiaries with Part A insurance can receive help from various savings programs if they are not able to afford their coverage. Learn more about plans for Part A Medicare in Pennsylvania and find out how to enroll in the below content.
Services Covered by Pennsylvania Medicare Part A Plans
Part A Medicare in Pennsylvania covers medical necessities that relate to inpatient treatments and care that you receive. In general, Medicare Part A will pay for services administered in:
- Nursing homes
- Skilled nursing facilities
- Hospice and respite settings
- Home health care
Medicare Part A plans in PA cover various health care needs in each of the settings listed above. For more details on what Plan A Medicare pays for in these facilities, download our complete guide on Pennsylvania health care.
If you have Part A Medicare coverage in Pennsylvania, then you can always ask your health care provider if your insurance will pay for a specific service. When Medicare Part A does not cover a service that you need, your doctor will usually tell you. Before receiving a health care service that is not typically covered by Medicare, you may be required to sign a form and agree to pay any costs associated with the treatment.
Is Medicare Part A free in Pennsylvania?
In some cases, a Pennsylvania Medicare Part A plan will be available premium-free, provided that you meet eligibility criteria. Even if your Medicare Part A costs do not include a premium, then you may have to pay for deductibles and copays. A deductible is a set amount that you need to pay before your insurance will start covering your care. Medicare Part A in Pennsylvania does not usually have an annual deductible. Instead, deductibles are based on benefit periods. A benefit period starts the day you are admitted to a hospital and ends 60 days after. There can be multiple benefit periods in a year, meaning that you may have to meet your deductible more than once per year. If you stay in the hospital for more than 60 days, then you will begin making copayments for each day that you spend receiving inpatient care. Medicare Part A copayments are also referred to as coinsurance.
People who do not qualify for free Part A Medicare in Pennsylvania will need to pay a monthly premium in addition to deductibles and copayments. The Medicare Part A costs in PA vary based on how long an individual (or an individual's spouse) worked and paid Medicare taxes. In general, beneficiaries who have paid some Medicare taxes in the past will have lower premiums than those who have never worked. Learn more about the costs for Part A Medicare in Pennsylvania by reading our comprehensive health care guide.
How to Get Part A Medicare in Pennsylvania
Getting Medicare Part A in Pennsylvania requires that you meet a variety of eligibility requirements. The first time you qualify for Medicare Plan A is when you reach the age requirement for eligibility in most cases. However, it is possible to become eligible at an earlier age if you have a qualifying medical condition or illness. You may be enrolled in the program, along with Medicare Part B, automatically when you first qualify for Part A coverage. Getting Plan A Medicare as soon as you become eligible is a good idea in most cases. If you are not enrolled automatically, then note that there is a deadline by which you must sign up. You have a period of time to make decisions about your enrollment before you miss out. Medicare Part A plans in PA allow you to sign up three months before you reach the minimum age requirement to three months after the month of your birthday. This period of time is known as your initial enrollment period and missing the deadline means that you must wait until the next open enrollment opportunity.
It is especially important to apply for Medicare Part A or another type of coverage in Pennsylvania if you will be losing your current health insurance soon. Missing the deadline for Plan A Medicare may result in a gap in your health coverage. Not only does this mean paying for any medical treatment you receive during this time, but you may also have to pay a penalty fee for each month that you go without insurance.