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Hospital Coverage

Medicare Part A
Hospital Insurance

Medicare Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health services. Most people who worked 40+ quarters receive Part A with no monthly premium.

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Part AHospital Insurance
Hospital Coverage

Medicare Part A — Hospital Insurance

Medicare Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health services. Most people who worked 40+ quarters receive Part A with no monthly premium.

2025–2026 Cost Summary (Updated Annually)

Monthly Premium$0 for most enrollees
Part A Deductible (2025)$1,676 per benefit period
Hospital Days 1–60$0 after deductible
Hospital Days 61–90$419/day coinsurance
SNF Days 1–20$0 fully covered
SNF Days 21–100$209.50/day coinsurance
HospiceCovered for terminal illness
Age 65+ who worked 40+ quarters — premium-free
Under 65 with qualifying disability (24 months SSDI)
End-Stage Renal Disease (ESRD) — any age
ALS — eligible immediately upon SSDI approval
Worked fewer than 40 quarters? Part A purchasable for $278–$505/month
Inpatient hospital care — semi-private room, meals, general nursing care, and covered medications during your stay at any Medicare-certified hospital
Skilled Nursing Facility (SNF) — up to 100 days after a qualifying 3-day hospital stay. Days 1–20 are fully covered; days 21–100 carry daily coinsurance
Hospice care — for terminal illness; covers pain management, counseling, and family support services
Home health care — skilled nursing and therapy when you're homebound and care is medically necessary
Inpatient mental health — medically necessary psychiatric facility stays covered
No network restrictions — covered at any Medicare-certified hospital in the United States
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FAQs

Common Questions About
Medicare Part A

What is a Medicare benefit period?
A benefit period starts when you're admitted to a hospital or SNF inpatient and ends when you've been out for 60 consecutive days. Each new benefit period resets your Part A deductible ($1,676 in 2025). Medigap plans can cover this deductible entirely.
Does Part A cover long-term nursing home care?
No — Part A only covers skilled nursing care for up to 100 days following a qualifying hospital stay. For long-term custodial care, Medicaid is the primary payer.
Should I enroll in Part A at 65 even if I'm still working?
Usually yes — it's free for most. But if you contribute to an HSA, enrolling in Medicare stops your ability to make HSA contributions. Call us before your 65th birthday.
Can Medigap cover my Part A costs?
Yes — Medigap Plan G covers the Part A deductible, hospital coinsurance for days 61+, and SNF coinsurance for days 21–100.
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