MEDICARE PART A

Medicare Part A:  Hospital Insurance

Medicare Part A helps pay for hospital stays and inpatient care.

You cannot be denied Part A coverage. You may go to any qualified health care provider in the United States who participates in the Medicare program and is accepting Medicare patients.

For more details on how Medicare Part A works please watch our video.

Medicare Part A covers hospital stays and inpatient care, including:

  • A semi-private room
  • Care in special units, such as intensive care
  • Operating room and recovery room services
  • Part-time, skilled care for the homebound
  • Your hospital meals
  • Drugs, medical supplies and medical equipment used during an inpatient stay
  • Some blood transfusions in a hospital or skilled nursing facility
  • Hospice care for the terminally ill, including medications to manage symptoms and pain
  • Skilled nursing services
  • Lab tests, X-rays and medical equipment as an inpatient
  • Inpatient or outpatient rehabilitation services after a qualified inpatient stay
  • Drugs, medical supplies and medical equipment used during an inpatient stay
  • Some blood transfusions in a hospital or skilled nursing facility
  • Hospice care for the terminally ill, including medications to manage symptoms and pain
  • Skilled nursing services
  • Lab tests, X-rays and medical equipment as an inpatient
  • Inpatient or outpatient rehabilitation services after a qualified inpatient stay

Part A Costs

  • Premium
    • No monthly premium for most people
    • You can purchase coverage if neither you nor your spouse paid Social Security taxes for at least 10 years (40 quarters)
  • Deductible
    • There is a deductible per benefit period
  • Copay for hospital stays
    • No copay for days 1–60
    • You will have a copay for days 61–90
    • Past day 90 you have an increased copay for each lifetime reserve day
  • Copay for skilled nursing facility stays
    • No copay for days 1-20
    • You will have a copay for days 21-100
  • For hospice care
    • Small copay for each prescription to manage symptoms
    • Coinsurance for inpatient respite care to give primary caregiver rest or time off

Part A coverage and costs are based on benefit periods. 

A benefit period begins the day you’re admitted to the hospital. It ends when you’ve been out for 60 days in a row.

No annual out-of-pocket maximum.

SCHEDULE  A  FREE  MEDICARE  REVIEW