Your hospital insurance is covered under Medicare Part A. This can help you cover things like the cost of a semi-private room for stays, hospice, home health care, and even stays in a skilled nursing facility. Blood transfusions requiring more than 3 pints of blood are also covered under this section of Medicare. Part A is also free for most people if they have worked in the United States for at least ten years or are married to someone who has worked those quarters and is at least 62.
Part A should be viewed as your hospital room and board, as we often tell our clients. This part of Medicare provides you with a semi-private room, as well as meals and medical services while you’re in the hospital. Some people, especially those who are in good health, wonder if they only need Part A. Maybe they haven’t used many medical services yet and are wondering if they can get by with just Part A. Many things that happen in a hospital, however, fall under another part of Medicare – Part B, so unless you have other coverage that coordinates with Medicare, you should enroll in both A and B.