Medicare Part A: Hospital Insurance
Medicare Part A is a key component of Original Medicare, providing coverage for inpatient hospital care and other related healthcare services. It is often referred to as “Hospital Insurance.”
What Does Medicare Part A Cover?
- Inpatient Hospital Care
- Skilled Nursing Facility (SNF) Care
- Home Health Care
- Hospice Care
- Inpatient Mental Health Care
Key Term:
Benefit Period:
Starts the day you’re admitted as an inpatient and ends when you haven’t received inpatient care for 60 days in a row.
A new benefit period means paying the deductible again.
Lifetime Reserve Days:
A one-time pool of 60 extra days you can use after day 90 in the hospital.
Who is Eligible for Medicare Part A?
Age 65+: Most U.S. citizens or permanent residents qualify at age 65 if they or their spouse paid Medicare taxes.
Under 65: Eligible if you have certain disabilities, such as receiving Social Security Disability Insurance (SSDI) for 24 months, or conditions like End-Stage Renal Disease (ESRD) or ALS..
Costs for Medicare Part A (2025):
Premiums:
Most people qualify for premium-free Part A if:
- They (or their spouse) worked and paid Medicare taxes for at least 10 years (40 quarters).
If you don’t qualify, you’ll pay:
- Up to $506/month for Part A if you worked fewer than 30 quarters.
- $278/month if you worked 30–39 quarters.
Deductible and Coinsurance:
Hospital Stay Costs (Per Benefit Period):
- $1,600 deductible (2025) for each benefit period (not annually).
- Days 1–60: $0 coinsurance after the deductible.
- Days 61–90: $400 per day.
- Days 91+: $800 per “lifetime reserve day” (up to 60 days total in your lifetime).
- After lifetime reserve days: All costs.
Skilled Nursing Facility Costs:
- Days 1–20: $0.
- Days 21–100: $200 per day.
- Days 101+: All costs.
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If you’re ready to take the next step, call 786-970-6539 or e-mail me at topqualitym@gmail.com to book an appointment with me. I proudly serve Florida and can help you find the Medicare coverage you need!