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Medicare Part A

What is Part A?

Part A Medicare, also known as Hospital Insurance, covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health services. It primarily helps pay for costs associated with hospital admissions, including semi-private rooms, meals, and necessary hospital services and supplies. Most people qualify for Part A without a premium if they or their spouse have paid Medicare taxes for at least 10 years. While Part A covers many essential services, it typically requires beneficiaries to pay deductibles and coinsurance for longer hospital stays. Overall, Part A plays a crucial role in helping seniors manage healthcare costs related to hospital care.

What am I responsible for paying on Part A?

Part A Medicare covers a range of inpatient services, but it also involves certain costs for beneficiaries. Here are the key copays and expenses associated with Part A:

1. Deductible: Beneficiaries must pay a deductible for each benefit period before Medicare covers hospital services. As of 2025, the deductible is $1,676.
2. Coinsurance: After the deductible is met, beneficiaries are responsible for coinsurance payments for hospital stays:
3. For days 1-60, there is no coinsurance.
4. For days 61-90, a coinsurance fee applies ($419 per day in 2025).
5. For days 91 and beyond, beneficiaries can use "lifetime reserve days," but they will incur a higher coinsurance rate ($838 per day).
6. Skilled Nursing Facility (SNF) Care: After a qualifying hospital stay, beneficiaries may receive SNF care. They pay no coinsurance for the first 20 days, but from days 21 to 100, there’s a daily coinsurance charge ($209.50 in 2025).
7. Home Health Services: Medicare covers home health care services, but beneficiaries may have to pay 20% of the Medicare-approved amount for durable medical equipment.

These costs can add up, making it important for beneficiaries to understand their coverage and any potential out-of-pocket expenses.

In addition to these costs Part B has out of pocket expenses described in Medicare Part B.

You can cover nearly all of these expenses with a Supplement or an Advantage plan.