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Medicare Part A

There are two parts to Original Medicare. The first is Medicare Part A; this part deals with inpatient care and hospitalization.

What Does Part A Cost?

Like most people, you qualify for premium-free Part A if you or your spouse paid Medicare taxes while working. You will be automatically enrolled in premium-free Medicare Part A if:

If you don't qualify for premium-free Part A, you can buy it for either $259 or $471 each month depending on how long you or your spouse worked and paid Medicare taxes.

*Monthly Part A rates are current as of 2021.

Visit the Medicare and Social Security websites for more information about Part A premiums.

YOU'RE OVER AGE 65 AND:

  • You already get or are eligible to get retirement benefits from Social Security or the Railroad Retirement Board

  • You or your spouse had Medicare-covered government employement.

YOU'RE UNDER AGE 65 AND:

  • You received Social Security or Railroad disability benefits for 24 months.

  • You have ESRD (End-Stage Renal Disease) and meet certain requirements.

What Does Part A Cover?

Part A Covers:

  • Inpatient care in a hospital

  • Skilled Nursing Facility

  • Nursing home care (that's not custodial or long-term care)

  • Hospice care

  • Home health care

You are responsible for the Part A deductible which is the first $1,484 of each benefit period (beginning when you enter the hospital and ending 60 days after being discharged). In addition, you may be subject to a daily co-pay depending on the length of your stay (as much as $742 per day).  *Part A deductible and daily co-pay rates current as of 2021

This is when a Medicare Supplement (Medigap) plan comes into play.

You can obtain a plan that pays 100% of this deductible and all co-pays 

(visit the Medicare Supplements tab).