Medicare 101
PART A
Medicare Part A
Usually, you don’t pay a monthly premium for Part A, as long as you or your spouse has worked 40 quarters (10 years) or more in the US and paid Medicare taxes.
You can buy Part A if you have worked less than 40 quarters; you will pay up to $471.00* per month for your Part A premium.
*Some people pay a higher premium if they don’t enroll when they’re first eligible.
Medicare Part A Coverage
Covered
Inpatient care in hospitals
Skilled Nursing Facility (SNF)
Home Health care
Hospice care
Not Covered
Physician services
Personal care items
Private hospital rooms
Custodial care
Limitations
Skilled nursing is only covered after a hospital stay of three days and is not covered beyond 100 days per benefit period.
Hospital stay coverage is limited to 150 days. Days 1-90 reset after a benefit period. Days 90-150 are only covered once in a lifetime.
Benefit period: Begins when you enter a hospital or SNF and ends after 60 consecutive days out of a hospital or SNF.
Medicare Part A Cost
Hospitalization – semi-private room and board
First 60 days: $1,484 Deductible
Days 61 – 90: $371 Per Day
Days 91 – 150: (60 lifetime reserve days) $742 Per Day
Skilled Nursing Facility – after 3 day inpatient hospital stay
First 20 days: 100% Covered
Days 21 – 100: $185.50 Per Day
Days 101+: Not Covered have a creative project to share with the world. Whatever it is, the way you tell your story online can make all the difference.
Hospice
End-of-life care 100% Covered
Medically necessary skilled care services 100% Covered