What Is Medicare Part A?
Medicare Part A is your hospital insurance. It helps cover the costs of inpatient care when you’re admitted to a hospital or skilled nursing facility, and also includes some home health and hospice care. Most people don’t pay a premium for Part A, making it a core part of your Medicare coverage.
HOSPITAL BENEFITS
What Does Medicare Part A Cover?
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QUALIFICATIONS
Who’s Eligible for Medicare Part A?
You’re eligible for premium-free Part A if:
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You’re 65 or older and you or your spouse paid Medicare taxes while working for at least 10 years.
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You’re under 65 and qualify due to disability or certain health conditions.
EXPENSES
How Much Does Medicare Part A Cost?
Most people get Part A for free. However, there may be costs associated with hospital stays, such as:
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Deductibles (e.g., $1,632 per benefit period in 2024)
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Coinsurance (after day 60 of a hospital stay)
Enrollment
When Should You Enroll in Part A?
You can sign up during your Initial Enrollment Period (IEP)—which begins 3 months before you turn 65 and lasts 7 months total.
Already receiving Social Security? You’ll usually be enrolled automatically.
Why Medicare Part A Matters
Part A is more than just hospital coverage—it’s your first layer of protection against unexpected medical costs. Combined with Part B and other coverage options, it helps create a comprehensive plan tailored to your health and budget.
Need Help Getting Started?
We're here to guide you step by step. Speak with a licensed agent to review your options and make sure you’re covered correctly.