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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.