What Does Medicare Part A Cover?
Medicare Part A is often called “Hospital Insurance.”
Medicare Part A helps pay for care when you are officially admitted to a hospital or medical facility. This is different from being kept for “observation.”
Part A is meant for serious care that requires an overnight stay.
Most people get Part A at no monthly cost because they or their spouse worked and paid Medicare taxes for at least 10 years.
Even with free Part A, there are still deductibles and daily costs if you stay in a hospital or facility for a long time.
What Medicare Part A Pays For
- Hospital Stays: Covers a semi-private room, meals, nursing care, medicines, lab tests, X-rays, and surgery while you are an inpatient.
- Skilled Nursing Facility Care: After a qualifying hospital stay, Part A can pay for up to 100 days in a skilled nursing facility. This includes room, meals, and skilled care such as wound treatment or physical therapy.
- Hospice Care: Helps people who are terminally ill. This care focuses on comfort, pain relief, and emotional support.
- Home Health Care: Covers part-time skilled nursing or therapy for people who are homebound and need medical care after a hospital stay.
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Important Things to Know About Medicare Part A
Medicare uses “benefit periods.” Each benefit period begins when you are admitted to a hospital and ends after you have been out for 60 days in a row.
Part A covers up to 90 days in the hospital during each benefit period. Days 1–60 usually have no daily cost. Days 61–90 have a daily charge. If you stay longer, you may use “lifetime reserve days,” which also have daily costs.
Part A works together with Part B. Part A covers hospital care. Part B covers doctor visits, tests, and outpatient services.