Kot Task #2
KOT Task #2
KOT Task #2: Medicare
Western Governors University
Though Medicare plans are typically for persons over the age of 65 years old, they do not come without costs to the patient. If the patient has enough work credits, Medicare Part A is automatically available to the patient once he or she reaches age 65. Medicare Parts B and D, however, require the patient to navigate through an application process and the patient may incur penalty fees if he or she does not sign up for the plans during the allotted time frame once they have reached the age of 65. For Medicare parts B and D, the patient is responsible for paying the designated premiums. The Medicare Part B premium ranges from $96.40-110.50 monthly and the Part D plan ranges from $28.60-$38 monthly. There is also additional Medicare plans available for the patient to purchase through insurers such as Blue Cross and Blue Shield or Etna, however there are additional premiums in varying amounts (Medicare.gov, 2012).
In most cases, Medicare Part A will cover inpatient hospital stays, rehabilitation centers, and long-term care facility stays. For Mrs. Zwick, Medicare Part A would apply to the rehab and inpatient hospitalizations. Medicare Part A will cover Mrs. Zwick’s five day hospital stay and the first 20 days of her stay at the rehabilitation facility. Each day following the first 20 days of rehab, a fee of $144.50 per day will accumulate at the rehabilitation facility for a total of $2890.00 which the facilities will be responsible for due to the patient acquiring a preventable infection during her stay (Medicare.gov, 2012). Medicare Part B is similar to medical insurance; covering medically necessary services such as MD visits and services, outpatient care, durable medical equipment, home health services, and sometimes preventative care services. In Mrs. Zwick’s case, Medicare Part B would cover the prescribed walker or other assistive devices if needed.
KOT Task #2: Medicare
Western Governors University
Though Medicare plans are typically for persons over the age of 65 years old, they do not come without costs to the patient. If the patient has enough work credits, Medicare Part A is automatically available to the patient once he or she reaches age 65. Medicare Parts B and D, however, require the patient to navigate through an application process and the patient may incur penalty fees if he or she does not sign up for the plans during the allotted time frame once they have reached the age of 65. For Medicare parts B and D, the patient is responsible for paying the designated premiums. The Medicare Part B premium ranges from $96.40-110.50 monthly and the Part D plan ranges from $28.60-$38 monthly. There is also additional Medicare plans available for the patient to purchase through insurers such as Blue Cross and Blue Shield or Etna, however there are additional premiums in varying amounts (Medicare.gov, 2012).
In most cases, Medicare Part A will cover inpatient hospital stays, rehabilitation centers, and long-term care facility stays. For Mrs. Zwick, Medicare Part A would apply to the rehab and inpatient hospitalizations. Medicare Part A will cover Mrs. Zwick’s five day hospital stay and the first 20 days of her stay at the rehabilitation facility. Each day following the first 20 days of rehab, a fee of $144.50 per day will accumulate at the rehabilitation facility for a total of $2890.00 which the facilities will be responsible for due to the patient acquiring a preventable infection during her stay (Medicare.gov, 2012). Medicare Part B is similar to medical insurance; covering medically necessary services such as MD visits and services, outpatient care, durable medical equipment, home health services, and sometimes preventative care services. In Mrs. Zwick’s case, Medicare Part B would cover the prescribed walker or other assistive devices if needed.
References: Busse, R., MD, MPH. The German Health Care System. Berlin University of Technology & Charite’. Clarke, E. 2011. “Healthcare Systems: Switzerland”. CIVITAS Institute for the Study of Civil Society. Retrieved May 5, 2012 from www.civitas.org.uk/nhs/switzerland.pdf[->0] FAQs for Employees About COBRA Continuation Health Coverage. Retrieved May 5, 2012 from http://www.dol.gov/ebsa/faqs/faq-consumer-cobra.html Fukawa, T. Public Health Insurance in Japan. Healthcare Economist, 2008. Health Care Around the World: Great Britain. Retrieved fromhttp://healthcare-economist.com/2008/04/23/health-care-around-the-world-great-britain/ Medicare.gov, 2011. Retrieved May 5, 2012 from http://www.medicare.gov/navigation/medicare-basics/medicare-benefits [->0] - http://www.civitas.org.uk/nhs/switzerland.pdf