Medicare Part A

What does Medicare Part A cover?

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Medicare Part A throughout the United States.

What you need to know about Medicare Part A insurance benefits.

What Does Medicare Part A Cover?

Medicare Part A covers is known as your hospital insurance.  It covers things like:

  • Inpatient care in hospitals, such as semiprivate room and board, nursing and miscellaneous services and supplies.
  • Skilled nursing facility care, is care for recovery from a sickness, injury or surgery. It is NOT long-term care. Additionally, skilled nursing facility care is only for short-term care and has a current maximum of 100 days per occurrence.
  • Hospice care
  • Home health care after you are discharged from a facility.

We refer to it as “facility coverage” or “room and board” in the hospital. It’s going to cover a semi-private room with a bed for you, and all your regular meals while you are there.

Medicare Part A covers the cost of a semi-private room and bed for you.

What Medicare Part A Doesn’t Cover?

Medicare Part A does NOT cover long-term care, such as extended stays in a nursing home.

Additionally, there are some things that you might think would fall under Part A, but sometimes fall under Part B, such as a doctor’s bill for surgery or outpatient surgeries.

In general, what is covered by Part A are facility related costs for immediate or acute care of an injury or illness.

How Much Does Medicare Part A Cost?

Most folks will not have a premium with Medicare Part A.

If you have worked 10 years or 40 quarters in your lifetime in the United States, you will generally pay nothing at all for Part A. If you do not have this work history, you can purchase Part A. Read more about the cost of Part A on our Medicare costs page.

Enrolling in Medicare Part A

Since there is no premium for Medicare Part A, it’s a good idea to go ahead and enroll when you first become eligible at age 65.

For some folks, those already collecting a Social Security benefit or the Railroad Retirement Board, enrollment to Medicare Parts A and B will be automatic. You will receive your red, white and blue Medicare card about 2 months before your 65th Birthday.

If you are not collecting a Social Security or Railroad Retirement Board benefit, and you wish to enroll in Medicare Part A, you will need to sign up. You can contact Social Security three months before you turn 65 by going directly to the Social Security website, or at your local Social Security office.

2019 Cost-Sharing Under Medicare Part A?

The 2019 Medicare Part A inpatient hospital deductible is $1,364, if admitted to the hospital. This is an increase of $24 from $1,340 in 2018.

The Medicare Part A inpatient hospital deductible, covers the first 60 days of Medicare-covered inpatient hospital care in a benefit period.

In 2019, after 60 days in the hospital, beneficiaries will pay a coinsurance of $341 per day for hospital stay for days 61 thru 90. This is an increase from $335 per day in 2018. The lifetime reserve benefit cost sharing increases to $632 per day, from $670 in 2018.

Skilled Nursing facility cost sharing has increased from $167.50 in 2018 per day to $170.50 per day, in 2019, for days 21 thru 100.

Medicare recipients age 65 and over with fewer than 40 quarters of work and certain persons with disabilities can pay a monthly premium in to voluntarily enroll in Medicare Part A.

Those who had at least 30 quarters of work or were married to someone with at least 30 quarters of work coverage may buy into Part A at a reduced monthly premium rate, which will be $240 in 2019, an $8 increase from 2018.

Certain uninsured aged individuals who have less than 30 quarters of coverage and certain individuals with disabilities who have exhausted other entitlement will pay the full premium, which will be $437 a month, a $15 increase from 2018.

For more information on Medicare Part A, contact us today.

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