Any medical treatment that is provided in a hospital or another medical facility and requires a minimum of one overnight stay is referred to as inpatient care. If you are over the age of 65 and in need of inpatient care, it is in your best interest to enroll in Medicare Part A and Medicare Part B. Medicare Part A covers all inpatient hospital services.
Keep in mind that it may require you to pay a one-time deductible for all of your hospital services for the first 60 days you’re in a hospital. Medicare Part B covers all inpatient doctor services. After paying the deductible, you’ll be required to pay 20 percent of the Medicare approved amount for doctor services.
If you need to stay in a nursing home, you should know that Medicare’s nursing home coverage is limited. Medicare Part A covers up to 100 days of “skilled nursing care” per illness. However, there are a number of requirements that you must meet before receiving this coverage. You must enter a skilled nursing facility that is Medicare approved or a nursing home within 30 days of a hospital stay that lasted at least 3 days.
Also, you must require skilled care. Skilled care occurs when a doctor orders a treatment and the treatments is provided by a physical therapist, registered nurse, or licensed practical nurse. Lastly, Medicare only covers acute care, which means you’ll be able to recover from your condition and will not need ongoing help with daily activities such as bathing or grooming.
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For more information on inpatient care and nursing home coverage through Medicare, contact us today.