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What is Medicare Part A?

Medicare Part A  is most commonly referred to as hospital insurance. Part A will cover semi-private rooms, meals, general nursing, drugs as part of your inpatient treatment in addition to hospital services and supplies.

What is covered under Medicare Part A?

Part A covers up to 150 days total hospitalization for a lifetime and up to 100 days in a skilled nursing facility. Part A does NOT cover any surgery or treatment received while inpatient. Please see Part B for more information.

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Hospital Services & Emergency Care

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Hospital Care


Skilled Nursing Facility Care


Inpatient Rehabilitation Facilities

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Home Health Care Services



When Should I Apply
How Do I Apply
Part A cost
When Should I Apply

When Should I Apply For Medicare Part A?

Initial Enrollment Period – IEP, this is a 7-month period that includes:

  • the 3 months prior to the month you turn 65
  • the month of your 65th birthday
  • the 3 months after the month you turn 65.

Special Enrollment Period – if you or a spouse are still working, you may sign up anytime while you have group health coverage or during the 8-month period that begins the month after employment or coverage ends, whichever occurs first.

General Enrollment Period – between January 1 and March 31 each year. Your coverage will start July 1 of that year. This is for those who missed their IEP, there may be imposed penalties for Part B and D. Please note: Having Part A alone will not allow you to enroll in a Medicare Supplement or Medicare Advantage (Part C) plan. You can enroll in a Part D plan.


Medicare Part A Costs for 2024

If you buy Part A, you’ll pay up to $505 each month. If you paid Medicare taxes for 30-39 quarters, the standard monthly Part A premium is $278.

Besides the Part A premium, if any, do I have to pay anything else for Part A?

You will be responsible for a $1632 deductible (this amount may change annually) when you are admitted to the hospital per benefit period. There is no annual cap, meaning, a beneficiary can have several benefit periods in one year. A Medicare year begins on January 1st and ends December 31st. This is why most beneficiaries enroll in a secondary plan, to give peace of mind when it comes to out of pocket expenses.

Medicare Part A (Hospital Insurance) covers inpatient hospital care when all of these are true:

● You’re admitted to the hospital as an inpatient after an official doctor’s order,
which says you need inpatient hospital care to treat your illness or injury.
● The hospital accepts Medicare.
● In certain cases, the Utilization Review Committee of the hospital approves your stay while you’re in the hospital.

Your stay while you’re in the hospital.

Your costs in Original Medicare:
● Days 1–60: $0 coinsurance for each benefit period.
● Days 61–90: $408 coinsurance per day of each benefit period.
● Days 91 and beyond: $816 coinsurance per each “lifetime reserve day” after day 90 for each benefit period (up to 60 days over your lifetime).

Beyond lifetime reserve days all costs.