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Medicare Part A
Medicare Part A is offered by the federal government and provides inpatient coverage. This plan is a straightforward and very common form of Medicare that has over 44 million beneficiaries.
How Much Does Medicare Part A Cost?
Medicare Part A’s price is determined by its out-of-pocket costs and monthly premium. You must pay a percentage or flat fee for certain coverage options, referred to as copayments and coinsurance.
The monthly premium is determined by your work history. Many people are eligible for premium-free Medicare Part A, meaning there will be no monthly fee. If you do have to purchase Part A, you will pay either $274 or $499 per month in 2022.
You are eligible for premium-free coverage if:
- You receive retirement benefits from Social Security or the Railroad Retirement Board.
- You are eligible for Social Security or Railroad Retirement benefits you haven’t filed for yet.
- You or your spouse previously (or currently) had Medicare-covered government employment.
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What Does Medicare Part A Cover?
Medicare Part A generally covers hospital fees. More specifically, it covers:
- Hospital Care, semi-private rooms, prescription drugs related to treatment, meals, and more.
- Long-Term Hospital Care up to 60 days of inpatient stay.
- Skilled Nursing Facility Care for a limited amount of time, including certain services and supplies required for care.
Other more specific types of care include (but are not limited to) semi-private rooms, medical supplies and equipment, and ambulance transportation are also included in Medicare Part A coverage.
Other services may be covered, but require approval from your plan provider first. These services include:
- Nursing home care not including custodial care (i.e. dressing, bathing, etc.)
- Hospice care
- Home health services during recovery
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