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What is Medicare Part A?

What it covers: Hospital Insurance

  • Inpatient hospital care
    Which can include semi-private rooms, meals, nursing services, and prescription drugs. Inpatient care in long-term care hospitals, mental health hospitals, acute care hospitals, and critical access hospitals also may be covered by Part A insurance.
  • Skilled nursing facility care
    Semi-private room, meals, skilled nursing care, prescription medications, medical supplies and equipment, and ambulance transportation could be included in your Part A coverage if medically necessary.
  • Nursing home care
    Skilled nursing facility care could be covered for a short period of time if ordered by your doctor.
  • Hospice care
    Part A coverage may cover doctor services, nursing care, durable medical equipment, medical supplies, and other things if you have six months or less to live.
  • Home health services
    Medicare part A coverage may incorporate at-home skilled nursing care, physical therapy, and occupational therapy when medically necessary, but only for a limited period time.

Who does it cover

Medicare Part A is health insurance offered by the federal government to United States citizens and legal immigrants. You’re eligible if you’re 65 and older. Also certain disabilities can qualify you under age 65. If you worked for a least 10 years and pay medicare taxes you qualify for premium-free Part A coverage.

Medicare Part A provides coverage for hospital related costs such as hospital stays, nursing care, hospice, and home-health care. Medicare Part B covers outpatient medical services.

Medicare Part A counts as minimum essential coverage and satisfies the law that requires people to have health insurance.

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