Protect Your Health and Finances During Unexpected Hospital Stays

Navigate costs with Medicare Part A coverage in Sonoma County

When an unexpected hospital stay hits, the last thing you want to worry about is the cost. At Gaddis and Mast Insurance Services, we help clients in Santa Rosa and throughout California fully understand Medicare Part A coverage, also known as hospital insurance, so they're prepared before they need it. With over a decade of experience guiding local residents through Medicare options, we're the preferred choice for seniors and their families.

Medicare Part A covers essential services like inpatient hospital stays, skilled nursing facility care and hospice. Most people qualify without premiums, but deductibles and coinsurance can catch you off guard. That's where we come in, helping you navigate the details and avoid unexpected bills. We'll break down the fine print so you feel confident in your coverage.

Call (707) 481-5314 today to clarify your Medicare Part A coverage before unexpected hospital costs occur.

Know what to expect before you need care

Understanding the actual costs of hospital and nursing services can help put your mind at ease. Here's what you can expect from Medicare Part A coverage.

• Deductible: $1,676 per benefit period in 2025 before coverage begins
• Hospital Stay Coinsurance:
• 1. Days 1–60: $0
• 2. Days 61–90: $419 per day
• 3. Days 91+: $838 per day with lifetime reserve days
• Skilled Nursing Facility Care:
• 1. First 20 days: $0
• 2. Days 21–100: $209.50 per day
• Home Health Services: Coverage included, but 20% coinsurance applies for equipment

Understanding your out-of-pocket costs can help you budget for care and avoid surprises. Reach out now to schedule a one-on-one consultation to make sense of your hospital insurance.