Before Medicare, only 56% of seniors had hospital insurance.
What is Part A and what does it cover?
Medicare Part A is the first part of Original Medicare, which is a federal government program that offers health insurance to our seniors.
Part A provides benefits for inpatient hospital care, skilled nursing facility care, inpatient skilled nursing facility care, hospice care and home health care.
Medicare Part A Eligibility
✓ age 65 or older.
✓ disabled, and are receiving Social Security disability benefits for at least 24 months.
✓ have end-stage renal disease.
✓ have Lou Gehrig’s disease (ALS).
Part A Costs
Typically, there’s no premium associated with Part A when turning 65 if any of the below criteria applies to you.
✓ A legal resident of the United States for 5 consecutive years and worked and paid FICA taxes for at least 10 years or 40 quarters.
✓ The spouse of an individual that meets these criteria.
✓ Have End-stage Renal Disease.
✓ Have Lou Gehrig’s disease/ALS.
✓ Disabled and are receiving social security disability benefits.
If you are not eligible for premium-free Part A, you can still purchase Part A coverage, but you will be required to pay a premium. The good news is that this premium can be reduced if you have work credits from having paid taxes while you were employed.
Read more about costs associated to Part A on our Medicare Costs page.
Part A Enrollment
When can you sign up for Part A?
You can sign up for Part A when you become eligible, which is the age of 65. You have a 7-month Initial Enrollment Period (IEP) to sign up. Read more about Part A enrollment on our Medicare Enrollment page.
Already receiving Social Security or Railroad Benefits?
Medicare eligible seniors will be automatically enrolled in Parts A starting their 65th birth month if they are already receiving social security benefits or the Railroad Retirement Board (BRB). These recipients will receive their Medicare card approximately three months before their 65th birth month.
Close to age 65 but not electing to receive Social Security?
What Does Part A Not Cover?
Part A coverage will pay for a large amount of your health expenses, but not all of it.
The following will be out-of-pocket costs that you are responsible for, unless you purchase a Medigap policy to offset these expenses:
✓Long-term nursing care (over 100 days)
✓Physical exams other than your annual wellness visit
✓Routine foot care
✓ Hearing aids
✓ Dentures and denture care
✓ Medicare care outside of the United States
Learn More About Medicare Part A
Still have questions about Medicare Part A? We can help you determine what you need to do to make sure you’re enrolled and clarify what coverage Part A offers. Contact us now to learn more.