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What is Medicare Part A?

Medicare Part A covers hospital inpatient care and skilled nursing facility care after a hospital stay (there is a limit to the time of coverage in a nursing facility). This also, covers some of your health care and hospice care.

Medicare Part A

  • Inpatient Hospital Care
  • Skilled Nursing Facility Care
  • Home Health Care
  • Hospice Care

What does Medicare Part A coverage provide?

  • Inpatient Hospital Care: This is the coverage that is provided to you when you are admitted into a hospital. Medicare is going to cover you for up to 90 days per benefit period. There is a 60 day lifetime reserve that you also have access to if needed.
  • Skilled Nursing Care: This is the coverage that is provided to you inside of a skilled nursing facility, the coverage may include room, board, and certain services provided in the facility. These service may include medication, tube feeding, and wound care. Medicare is going to cover you up to 100 days per benefit period. To receive this benefit, you must have stayed in a hospital for 3 consecutive days and admitted to the nursing facility (if needed) within 30 days.
  • Home Health Care: This coverage is typically going to be a Medicare Part B coverage. However, if you have spent 3 consecutive days in the hospital and receive home health care (if needed) within 14 days. Medicare is going to cover you for up to 100 days of daily care and covered for an unlimited amount of intermittent care.
  • Hospice Care: Medicare will provide coverage for as long as your provider certifies as necessary.

When is enrollment for Medicare Part A?

Eligibility for Medicare Part A will typically be at age 65. If collecting retirement benefits from Social Security Administration enrollment will typically be automatic.

You may also be eligible to enroll in Medicare Part A if you have a disability, end-stage renal disease, or Lou Gehrig's Disease.

What is the Cost of Medicare Part A?

For most, Medicare Part A will have no costs for you, but it is not always the case. Most beneficiaries will not have a cost for Medicare Part A at age 65 because it has been paid for through taxes. During, your working years most contribute to pay towards their future Medicare coverage during retirement.

If, you worked for 10 years in your lifetime within the United States, you in most cases will not have a cost for your Medicare Part A coverage. If, you do not have this work history then Part A may be purchased as long as you have maintained a legal resident or a green card for at least 5 years.

2023 monthly premiums for those that have not worked 40 quarters are:

30-39 quarters worked: $278

Less than 30 quarters worked: $506

Hospital Stay:

  • $1,600 deductible for each inpatient hospital stay when you have not been in the hospital the prior 60 days.
  • Days 1-60: $0 coinsurance. 
  • Days 61-90: $400 coinsurance per day.
  • Days 91-150: $800 coinsurance per day. This when you are using your 60 day lifetime reserve.
  • Days 151-on-wards: Fully Out of Pocket. 

Skilled Nursing:

  • Days 1-20: No out-of-pocket expenses.
  • Days 21-100: $200 copay per day.
These costs are the original Medicare costs. There are other options including, Medicare Supplement Plans and Medicare Advantage Plans. Both of these types of plans can help significantly reduce your costs.

If you have any other questions about Medicare Part A, or would like to take advantage of your free Medicare consultation with a local agent, request information

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