Available Mon-Fri, 9am-6pm ET  |  Call 800-970-1964

800.970.1964   |   Contact Us   |   Client Portal

Medicare Part A – Hospital Insurance

Medicare Part A is primarily coverage for hospital care when you’re admitted into the hospital as an inpatient. In order for your hospital stay to fall under Part A, the hospital must accept Medicare, which the vast majority of hospitals do. 

What Does Medicare Part A Cover?

Medicare Part A covers the following:
  • Inpatient care in a Hospital
  • Skilled nursing facility care
  • Hospice
  • Home health care
  • Nursing home care

Medicare Doesn’t Have To Be So Hard…

Schedule your FREE appointment to have our team answer your questions and make Medicare easy.

How Much Does Medicare Part A Cost Per Month?

As long as you’ve worked 40 quarters (10 years) as a US citizen and paid into FICA through your payroll taxes, your Medicare Part A premium will be $0 per month. Sometimes you’ll hear that “Part A is FREE”, but don’t be confused, you’ve been paying into Part A your whole working career.
Qualification Premium
You or your spouse worked 40 quarters (10 years) in the USA.
$0 per month
You or your spouse worked between 30-39 quarters (7.5-10 years) in the USA.
$278 per month
You or your spouse worked fewer than 30 quarters (7.5 years) in the USA.
$505 per month

Medicare Part A – Cost Sharing [2024]

Coverage Stage Cost Sharing
Deductible
$1,632 per benefit period
Days 1-60
$0 co-pay per day
Days 61-90
$408 co-pay per day
Days 91-150
$816 co-pay per "Lifetime Reserve Day"
Beyond Lifetime Reserve Days

All costs

Problems With Taking Medicare Part A

A common problem we see, is that many people will take Part A when turning age 65 even though they are still working. The issue is that when you take Medicare Part A, you’re no longer eligible to make tax-free contributions to your Health Savings Account (HSA).

If you are unsure whether you need Medicare Part A or not, ask your HR department or give us a call and we’ll do our best to guide you in the right direction.

Next up is Medicare Part B – Medical Insurance.

Sylvia Gordon, aka Medicare Mama®, is an expert on all things Medicare and Social Security. She is the 2nd Generation here at The Medicare Family and has served on the advisory boards of major insurance companies like UnitedHealthcare®, Cigna, and Anthem. In her free time, she can be found taking care of her animals (dogs, goats, peacocks, chickens), and reading a good book. Learn More.
5-stars
5-Star Rated

“This was the best experience I’ve ever had dealing with Medicare information.” – Darrell P.

About Us

For 40 years, our family has been helping seniors understand their Medicare benefits and find the best plan for their unique situation – the best part? Our service is always 100% free to you!

Wouldn’t this be

Easier on video?

Reading about Medicare can be confusing…Thats why we took all the important parts and put them into an easy, free video. 

Get Our FREE Medicare & Social Security Cheat Sheet 

Download this FREE printable cheat sheet to get the information you need in one place. You’ll never worry about forgetting a number, date, or deadline again. UPDATED FOR 2024!

Popular Articles

Beginner's Guide to Medicare

Learn how Medicare works, when and how to sign up, and a breakdown of all the coverage options in this easy guide.

3 Common Medicare Mistakes

There are several severe penalties to make sure you avoid when dealing with Medicare. If you get them, they can stay with you for life.

Medicare Costs for 2024

The costs for Medicare change each year. In this article we break down the costs for Medicare premiums and co-pays.