Part A
Medicare Part A (Hospital Insurance)
Who are eligible for Part A:
- Those who turn 65 years of age and have worked at least 10 years for which you paid Medicare taxes.
- Those who are under 65 and who are receiving disability benefits from Social Security or certain disability benefits from the Railroad Retirement Board (RRB) for 24 months.
- Those who have Lou Gehrig’s disease will qualify the month your disability benefits begin.
- Those who live in Puerto Rico and get benefits from Social Security or the RRB.
What’s covered in general under Part A:
- Hospital care
- Inpatient hospital care
- Skilled nursing facility care
- Long-term care hospitals
- Skilled nursing facility care
- Nursing home care (as long as custodial care isn’t the only care you need)
- Hospice
- Home health services
How much does Part A cost:
- Part A Premium:
- Usually Premium-free coverage if you or your spouse paid Medicare taxes for 30+ quarters while working.
- If you paid Medicare taxes for less than 30 quarters, the standard Part A premium is $413.
- If you paid Medicare taxes for 30-39 quarters, the standard Part A premium is $227.
- Part A Hospital Deductible & Coinsurance: You pay:
- $1,316 deductible for each benefit period
- Days 1-60: $0 coinsurance for each benefit period
- Days 61-90: $329 coinsurance per day of each benefit period
- Days 91 and beyond: $658 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
