Choosing the Medicare Plan that is Right for You

Choosing the Medicare Plan that is Right for You

If you're 65 or older, Medicare covers the bulk of your medical expenses. But it still leaves some big gaps,…

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Apply for Medicare

Apply for Medicare

Understanding the application process for medicare insurance can be a time consuming and frustrating proccess. Let us guide you from…

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Choosing the Medicare Plan that is Right for You

Choosing the Medicare Plan that is Right for You

If you're 65 or older, Medicare covers the bulk of your medical expenses. But it still leaves some big gaps,…

More...
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Medicare Part D

Prescription drug coverage is finally affordable...

Medicare Part D

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Medicare Part B

Part B covers some medical and preventative services...

Medicare Part B

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Medicare Part A

Part A covers inpatient care in hospitals and other facilities...

Medicare Part A

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Medicare FAQ

Have any question abouts medicare? See our FAQ...

Medicare FAQ

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Medicare Part A

What Is Part A (Hospital Insurance)?

Part A is hospital insurance that helps cover inpatient care in hospitals, skilled nursing facility, hospice, and home health care.

How Much Does Part A Cost?

Most people don't pay a Part A premium because they paid Medicare taxes while working. This is called "premium-free Part A."

If you aren't eligible for premium-free Part A, you may be able to buy Part A if you meet one of these conditions:

  • You're 65 or older, you're entitled to (or enrolling in) Part B, and you meet the citizenship or residency requirements.
  • You're under 65, disabled, and your premium-free Part A coverage ended because you returned to work. (If you're under 65 and disabled, you can continue to get premium-free Part A for up to 8.5 years after you return to work.)

In most cases, if you choose to buy Part A, you must also have Part B and pay monthly premiums for both. If you have limited income and resources, your state may help you pay for Part A and/or Part B.

How Do I Get Part A?

Some people automatically get Part A. Learn how and when you can sign up for Part A.

What Does Part A Cover?

To find out if Part A covers something specific, visit Your Medicare Coverage. In general, Part A covers:

  • Inpatient care in hospitals (such as critical access hospitals, inpatient rehabilitation facilities, and long-term care hospitals)
  • Inpatient care in a skilled nursing facility (not custodial or long term care)
  • Hospice care services
  • Home health careservices
  • Inpatient care in a Religious Nonmedical Health Care Institution

Note: Staying overnight in a hospital doesn't always mean you're an inpatient. You're considered an inpatient the day a doctor formally admits you to a hospital with a doctor's order. Being an inpatient or an outpatient affects your out-of-pocket costs. Always ask if you're an inpatient or an outpatient. Read "Are You a Hospital Inpatient or Outpatient? If You Have Medicare – Ask!" for more information.

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