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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

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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.	$285 per month
You or your spouse worked fewer than 30 quarters (7.5 years) in the USA.	$518 per month

Medicare Part A – Cost Sharing [2025]

Coverage Stage	Cost Sharing
Deductible	$1,676 per benefit period
Days 1-60	$0 co-pay per day
Days 61-90	$419 co-pay per day
Days 91-150	$838 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.

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