Medicare Part A
What is Part A?
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 Eligibility
You are eligible for Medicare Part A if you’re:
✓ 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 Coverage
Your Part A benefits will pay for a large amount of your health expenses, but not all of it.
The following identifies what hospital benefits are covered, as well as what Part A doesn’t cover, and will be out-of-pocket costs that you are responsible for, unless you purchase a Medigap policy to offset these expenses.
✓ inpatient hospital care
✓ skilled nursing facility care
✓ inpatient skilled nursing facility care
✓ hospice care
✓ home health care
✓ Long-term nursing care (over 100 days)
✓ Physical exams other than your annual wellness visit
✓ Routine foot care
✓ Acupuncture, naturopathy
✓ Cosmetic surgery
✓ Hearing aids
✓ Dentures and denture care
✓ Medicare care outside of the United States
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.
Part A Enrollment
When can you sign up for Part A?
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 or the Railroad Retirement Board (BRB) benefits. 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?
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.