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Medicare Part A

Medicare Part A or Hospital Insurance is part of Original Medicare and is offered by the Federal Government 

When are you eligible for Part A?

You're eligible for Original Medicare Part A if you're at least 65 years old, or you're under 65 and qualify on the basis of a disability or other special situation.  You must also be eligible for monthly Social Security or Railroad Retirement Board (RRB) cash benefits.

When can you sign-up for Part A?

When you turn 65 or otherwise become eligible for Medicare, you'll have your Initial Enrollment Period (IEP).  In most cases, your IEP begins three months before and ends three months after the month of your 65th birthday (a seven-month window). For someone under age 65 who becomes entitled to Medicare based on disability, entitlement begins with the 25th month of disability benefit entitlement. For these individuals, the IEP begins 3 months before the 25th month of disability benefit entitlement, includes the 25th month, and ends three months after. The IEP for people with ESRD and ALS varies based on their situation.

What does Part A cover?

  • Inpatient care in a hospital

  • Inpatient care in a skilled nursing facility (not custodial or long-term care)

  • Hospice care

  • Home health care

  • Inpatient care in a religious non-medical health care institution

What does Part A not cover?

Hospital Care or Inpatient Care​

  • You pay a $1,364 deductible and no coinsurance for days 1–60 of each benefit period

  • You pay $341 per day for days 61–90 of each benefit period

  • You pay $682 per “lifetime reserve day” after day 90 of each benefit period (up to 60 days over your lifetime)

  • You pay all costs for each day after you use all the lifetime reserve days

  • Inpatient psychiatric care in a freestanding psychiatric hospital is limited to 190 days in a lifetime

Skilled Nursing Facility Care

  • Medicare pays all approved amounts for the first 20 days

  • For days 21-100, Medicare pays all but $170.50 per day

  • For days 101 and beyond, Medicare pays $0

Additional Benefits:

You Pay All Costs

  • Care provided by a non-medically trained person at a nursing facility

  • Most dental care

  • Eye examinations related to prescribing glasses

  • Dentures

  • Cosmetic Surgery

  • Hearing aids and exams for fitting them

  • Routine foot care

  • The cost of the first 3 pints of blood required during a blood transfusion

Have Questions?