Get Started on Finding Your Medicare Plans

Compare Plans

Medicare Part A

4 things to know about Medicare Part A:

  1. Medicare Part A is hospital insurance that covers inpatient hospital care and certain home care.
  2. Medicare Part A is usually free if you or your spouse paid Medicare taxes while working. If not, it can cost up to $413 each month in 2017.
  3. Hospital and skilled nursing facility stays come with deductibles and co-insurance.
  4. If you want Medicare Parts B, C, or D, you must have Part A.

Medicare Part A provides inpatient hospital insurance coverage. It is one-half of Original Medicare, which consists of parts A & B. You may be automatically enrolled in Medicare Part A when you turn 65.

What does Medicare Part A cover?

Part A is considered hospital insurance and covers services from in-home care to inpatient hospital care. Medicare Part A benefits include the following:

  • Inpatient hospital care
  • Hospice care
  • At-home part-time skilled nursing care
  • At-home physical therapy
  • Inpatient care at a religious non-medical health care facility
  • Blood transfusions after the first 3 pints of blood

The list above is only part of the covered items provided by Medicare Part A. Explore all of the services covered by Medicare Part A insurance.

Medicare Part A costs

Medicare Part A costs come in the forms of premiums, deductibles, and co-insurance.

Premiums

Most people don’t have to pay a premium for Medicare Part A. If you do have to pay for Part A, it can cost up to $413 each month in 2017.

Part A will be free for you when you turn 65 if any of the following apply to you:

  • You already get Social Security benefits or benefits from the Railroad Retirement Board (RRB)
  • You’re eligible for benefits through Social Security or the RRB but haven’t yet filed for them
  • You or your spouse had Medicare-covered government employment

Deductibles and co-insurance

When you receive Medicare Part A benefits, you may need to pay deductibles or co-insurance to get certain services covered.

Hospital stay: deductibles and co-insurance

  • $1,316 deductible per benefit period in 2017
  • First 60 days: No co-insurance
  • Days 61-90: $329 (2017) co-insurance per day
  • Days 90+: $658 (2017) co-insurance per “lifetime reserve day”
  • Days 90+ if you have no reserve days: Medicare covers nothing

Skilled nursing facility stay: deductibles and co-insurance

  • First 20 days: No co-insurance
  • Days 21-100: $164.50 co-insurance per day in 2017
  • Days 100+: Medicare covers nothing

If you don’t want to have to pay for deductibles or co-insurance, Medicare Supplement insurance (also called Medigap) can help you fill in the coverage gaps.

Related Information

What Is Medigap? | Medicare Supplement Insurance Definition

Medicare Supplement Insurance (Medigap) is private insurance that can help cover some of the costs that Original Medicare does not. Compare Medigap plans.

Read More

Medicare Supplement Insurance Comparison Guide

Medicare Supplement Insurance can help cover some of the health care costs that come with Original Medicare. Compare plan benefits today.

Read More

How to Compare Medicare Supplement Insurance Plans

Compare Medicare Supplement Insurance plans (Medigap) to see how they can help cover some of Original Medicare's out-of-pocket costs.

Read More

Medicare Supplement Insurance Explained

Each type of Medicare Supplement Insurance plan offers a different combination of basic benefits. Compare Medigap plans to find the best fit for your needs.

Read More

What Does Medicare Supplement Insurance Plan C Cover?

Learn about Medicare Supplement Insurance Plan C benefits, and how they compare to other Medigap plans.

Read More

Compare Medicare Supplement Insurance Plans

Medicare Supplement Insurance plans help cover deductibles, copays and other costs that come with Original Medicare. Learn more and compare plans.

Read More

Medicare Supplement Insurance Plan G: An Overview

Learn about Medicare Supplement Insurance Plan G benefits and how they compare to other Medigap plans.

Read More

Comparing Medicare Supplement Insurance Plans and Costs

While Medicare Supplement Insurance plans have standardized basic benefits, their costs will vary. There are three primary types of Medigap pricing structures.

Read More

Medicare Supplement Insurance Benefits

If you have Original Medicare, a Medicare Supplement Insurance plan can reduce your out-of-pocket spending. Learn how.

Read More

Thank you. You are now signed up to receive our free Medicare guide.
Sign up for our free Medicare guide

MedicareSupplement.com is owned and operated by TZ Insurance Solutions LLC, a licensed insurance agency.

This Website serves as an invitation for you, the customer, to inquire about further information regarding Medicare Supplement insurance, and your call will be routed to a licensed agent who can provide you with further information about the insurance plans offered by one or more of our third party partners. Submission of your contact information constitutes permission for an agent to contact you with further information, including complete details on cost and coverage of this insurance.

We and the licensed agents that may call you are not connected with or endorsed by the U.S. Government or the federal Medicare program. Medicare has neither reviewed nor endorsed the information contained on this website. This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult www.medicare.gov (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.