Medicare Part A — Your Hospital Insurance Explained

What Is Medicare Part A?

Medicare Part A is known as Hospital Insurance. It helps cover the costs of inpatient care in hospitals, skilled nursing facilities, hospice care, and some home health care services.



For most people who have worked and paid Medicare taxes for at least 10 years (40 quarters), Part A comes with no monthly premium, making it an essential foundation of Original Medicare. Learn about all Medicare parts here.

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What Does Medicare Part A Cover?

Medicare Part A typically covers inpatient hospital stays, including semi-private rooms, meals, and general nursing, as well as skilled nursing facility care after a qualifying hospital stay, hospice care, and certain home health care services. However, Part A does not cover doctor visits (those are covered under Part B), outpatient services, most prescription drugs, or long-term custodial care.



Understanding these gaps is crucial — many choose to add a Medigap policy or Medicare Advantage plan to help cover what Part A doesn’t. Learn more about Medicare Supplement plans.

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What Are the Costs for Part A?

Even if Part A is premium-free for most, there are still cost-sharing responsibilities:


  • 2024 Deductible: $1,632 per benefit period.
  • Hospital days 1–60: $0 after the deductible.
  • Days 61–90: $408 per day.
  • Days 91 and beyond: $816 per day for up to 60 lifetime reserve days.
  • Beyond lifetime reserve days: You pay all costs.

A Medicare Supplement plan (Medigap) can help manage these expenses and provide peace of mind. Explore Medigap plans.

Who Is Eligible for Medicare Part A?

You’re typically eligible for Medicare Part A when you turn 65 if you or your spouse have worked and paid Medicare taxes for at least 10 years.


  • Automatic Enrollment: If you’re already receiving Social Security benefits at 65.
  • Need to Enroll: If you’re not yet receiving Social Security, you’ll need to sign up manually.
  • Disability: Those under 65 may qualify after receiving disability benefits for 24 months.

Not sure if you need to enroll now, especially if you’re still working? I can help you understand your timing and options.

How Does Part A Fit Into Your Medicare Coverage?

Medicare Part A is just one piece of your overall coverage. Most people also need Medicare Part B to cover outpatient services and doctor visits.


Some choose a Medicare Advantage plan (Part C), which combines Parts A & B and may include extra benefits. Others add a Medicare Supplement (Medigap) to help with deductibles and coinsurance.


I will help you understand how Part A works with these options and design a plan that fits your health needs and budget.

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I am here to help you understand exactly what Part A covers and how it fits into your complete Medicare strategy.

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