Medicare Part A is your hospital coverage. It provides you with affordable inpatient care. So what’s the definition of inpatient?

Here at Boomer Benefits, we tell our clients to think of it as “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. It will cover medications furnished to you by the hospital and any necessary lab services or medical supplies.

You may get your inpatient care at an acute care hospital, a critical access hospital, an inpatient mental healthcare hospital or at an inpatient rehabilitation facility.

What Does Medicare Part A Cover?

In addition to Medicare hospitalization coverage, Medicare Part A also covers post-hospital skilled nursing and short-term post-hospital home health care, so long as it is medically necessary. Part A covers hospice services which may include palliative care, DME, counseling, and social services. Medicare hospice coverage also provides short-term respite care for caregivers to have a rest.

Part A also provides for some home health care services received in the hospital or immediately following an inpatient stay. This includes skilled nursing care, medical social services, and physical therapy. Home health aid services are generally only covered when skilled nursing is also occurring.

Medicare does NOT cover long-term care, such as extended stays in a nursing home. Individuals can consider purchasing long-term care insurance if this is something they want to plan for.

There are some things that you might think would fall under Part A but sometimes fall under Part B, such as outpatient surgeries. When it comes to determining if something is inpatient vs outpatient, it’s always a good idea to consult your Medicare insurance broker for guidance.

However, in general, what is covered by Part A is generally hospital-related for immediate or acute care of an injury or illness.

How Much Does Medicare Part A Cost?

Is Medicare Part A free?

Well, not exactly. Most beneficiaries will pay nothing for Medicare Part A at age 65 though because they have already pre-paid it. You see, we all pay taxes during our working years that are specifically for our future Medicare hospital coverage during retirement. These taxes go to offset the cost of Part A later on.As long as you have worked for 10 years 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 as long as you have been a legal resident or greencard holder for at least 5 years. Read more about the cost of Part A on our Medicare costs page.

If you do not have 40 quarters, you can pay for Part A. Premiums in 2020 are $458 if you have less than 30 quarters or $252 for people with 30 – 39 quarters.

MMLOGO

About

Are you turning 65, eligible for Medicare, and confused about your many different options? Understanding Medicare and finding the right plan can be a very frustrating experience. I can help.

It is in your best interest to review your different Medicare options with a local agent representing multiple companies. I live and work in Brevard County, Florida, and have provided my clients with great service since 1988.
Call now to schedule a free, no-obligation consultation (over the phone, in my office, your home, or other location).
321-757-9770

Call now at 321-757-9770 for your no-obligation review. In Hawaii, call 808-633-8153
BBB-Logo
Veteran Owned Business
Michael McGarrigle Inc is an independent insurance agency is not a part of any local, state or federal government agency. Medicare has neither endorsed nor reviewed this information. If you are inquiring about a Medicare Advantage Plan or Part D coverage, you must contact Michael McGarrigle Inc personally. Agents and Brokers are prohibited from contacting you directly for information regarding Medicare Advantage Plans and/or Part D coverage. Information on this website does not constitute an application for insurance with any specific insurance company or government entity. Insurance logos and company names presented are not an endorsement of any specific organization or company. Coverage cannot be bound, altered or canceled through email or voicemail systems. Please contact us during business hours to make changes to your policies.