Part A – Hospital Insurance

Medicare Part A (Hospital Insurance) helps cover:

  • Inpatient care in a hospital—patient pays a deductible for days 1-60 of a hospital stay; if the patient is in the hospital longer than 60 days at a time, the patient pays an additional per day deductible for each day in the hospital that is more than 60.
  • Inpatient care in a skilled nursing facility—only pays if the patient is recovering from illness, accident, or surgery (it does NOT pay for custodial or long-term care); patient pays nothing for the first 20 days of each benefit period; if the patient needs care for more than 20 days, the patient pays a per day deductible for days 21-100 of care; the patient pays all costs for the care that goes beyond 100
  • Hospice care—patient pays nothing for hospice care; to qualify for coverage, a doctor must certify that person is terminally ill with a life expectancy of 6 months or less; coverage lasts for as long a doctor certifies that the patient is terminally ill.
  • Home health care—under some situations, health care services provided in the patient’s home can be paid by Part A if certified by a doctor.