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Medicare Part A

Part A is your inpatient hospital insurance

You are automatically enrolled in Medicare Part A when you get Original Medicare. Part A is your inpatient hospital insurance:

Medicare Part A covers only services deemed medically necessary. The following are examples, but not a complete listing, of covered services under Part A:

  • Inpatient care in hospitals
  • Inpatient rehabilitation facilities
  • Long-term care hospitals
  • Skilled nursing facilities
  • Home health care services
  • Hospice care


Medicare Part A Cost

What Will You Pay with Part A?

Part A

You Pay

Part A Premium for most people:$0
Part A premium if you do not meet premium-free qualifications$422
Hospital/Mental Inpatient Benefit Period Deductible* Day 1-60:
$1,364
Hospital/Mental Inpatient Coinsurance Days 61-90:
$335 per day
Hospital/Mental Inpatient Coinsurance Days 91-150 (Lifetime Reserve Days):
$670 per day
Hospital/Mental Inpatient Costs after Lifetime Reserved Days:100%
Skilled Nursing Facility (SNF) Coinsurance Days 1-20:$0
SNF Coinsurance Days 21-100:
$167.50
SNF Coinsurance Beyond Day 100:100%
Hospice Costs**: $0

Health Home Services**: $0

*Deductible can be charged multiple times per year, since it is a “benefit period” deductible. For instance, if you enter the hospital on January 5th for one week, you’d be charged the deductible. Then if 60 days pass since your exit from the hospital and you enter the hospital again, say May 15th, you would be charged the Part A deductible again.

**You can still be charged 20% for durable medical equipment through Part B, and in addition, if you are in Hospice care, if you seek respite care you can be charged up to 5%.

Eligibility and Enroll for Part A

AUTOMATIC WHEN – Typically, you are automatically enrolled in Medicare Part if:

  • You already are taking Social Security income benefits.
  • 2 – 3 months before you turn 65 and you receive your card.

Although your mailbox becomes full of Medicare stuff when you are close to turning-65, you want to be on the lookout Medicare mail with your card. The card is a red, white and blue card printed on heavy stock. It is okay.  You will receive your Medicare card in the mail 3 months before your 65th birthday (or your 25th month of disability).

You may want to have the card to laminated when you receive it to keep it in good shape over the years of being in your wallet or purse.

YOU NEED TO ENROLL WHEN-

If you are not already receiving Social Security income benefits or Railroad Retirement income benefits yet, you will need to sign up for Part A at age 65.

How to enroll in Medicare

You can enroll in Medicare Part A and/or Medicare Part B in the following ways:

  • Online at www.SocialSecurity.gov.
  • By calling Social Security at 1-800-772-1213 (TTY users 1-800-325-0778), Monday through Friday, from 7AM to 7PM.
  • In-person at your local Social Security office.

Medicare Part A Covers

Medicare does not usually pay the full cost of your care, and you will likely be responsible for some portion of the cost-sharing (deductibles, coinsurances, copayments) for Medicare-covered services.

Medicare Part A covers only services deemed medically necessary. The following are examples, but not a complete listing, of covered services under Part A:

  • Inpatient care in hospitals
  • Skilled nursing facilities
  • Home health care services
  • Hospice care

Inpatient hospital care: is care received after you are formally admitted into a hospital by a physician. You are covered for up to 90 days each benefit period in a general hospital, plus 60 lifetime reserve days. Medicare also covers up to 190 lifetime days in a Medicare-certified psychiatric hospital.

Skilled nursing facility (SNF) care: Medicare covers room, board, and a range of services provided in a SNF, including administration of medications, tube feedings, and wound care. You are covered for up to 100 days each benefit period if you qualify for coverage. To qualify, you must have spent at least three consecutive days as a hospital inpatient within 30 days of admission to the SNF and need skilled nursing or therapy services.

Home health care: Medicare covers services in your home if you are homebound and need skilled care. You are covered for up to 100 days of daily care or an unlimited amount of intermittent care. To qualify for Part A coverage, you must have spent at least three consecutive days as a hospital inpatient within 14 days of receiving home health care. (Note: You can get home health care through Medicare Part B if you do not meet all the requirements for Part A coverage.)

Hospice care: This is care you may elect to receive if a provider determines you are terminally ill. You are covered for as long as your provider certifies you need care.

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