What is Medicare Part A?

Medicare Part A  is most commonly known as hospital insurance. Part A is what you would use to cover your care while you are in the hospital (inpatient care).

 

What Does Medicare Part A Cover?

  • Hospital Services & Emergency Care
  • Hospital Care
  • Skilled Nursing Facility Care
  • Short Term Nursing Home Care
  • *Home Health Care Services
  • Hospice

Part A covers up to 150 days total hospitalization for a lifetime and up to 100 days in a skilled nursing facility.

 

When Should I Apply For Medicare Part A?

Initial Enrollment Period – this is a 7-month period that includes:

  • the 3 months prior to the month you turn 65
  • the month of your 65th birthday
  • the 3 months after the month you turn 65.

 

Special Enrollment Period – if you or a spouse is still working, you may sign up anytime while you have group health coverage or during the 8-month period that begins the month after employment or coverage ends, whichever occurs first.

 

General Enrollment Period – between January 1 and March 31 each year. Your coverage will start July 1 of that year.

 

How Do I Apply to Medicare Part A?

If you have to sign up for Medicare Part A, you can enroll in one of the three ways listed below by the time appointed in the When Should I Apply For Medicare Part A? Section.

  • Applying via the Social Security’s website: http://www.socialsecurity.gov
  • Calling Social Security 1-800-772-1213, TTY 1-800-325-0778
  • Visiting your local Social Security office

 

If you already receive benefits from Social Security or Railroad Retirement Board (RRB), you do not have to sign up. You will automatically get Part A benefits starting the first day of the month you turn 65. Your red, white and blue Medicare card will be mailed to you three months prior to your 65th birthday. Note: If your birthday is on the first day of the month, your coverage will begin the first day of the prior month.

 

If you are disabled you automatically receive benefits after your 24th month of receiving Social Security disability benefits. Your card will be mailed to you three months prior to your 25th month of disability.

 

How much does Part A cost?

Free: If you or your spouse has worked 10 or more taxable years (40 quarters) of Medicare-covered employment

 

Costs for 2016

$226.00: For people with 7.5 – 10 years (30-39 quarters) of Medicare-approved covered employment

$411.00: For people with less than 7.5 years (30 quarters) of Medicare-covered employment

 

Medicare Part A has a deductible for each benefit period that can increase at the beginning of the Medicare year. (January 1st – December 31st) 

 

Besides the Part A premium, if any, do I have to pay anything else for Part A?

You will be responsible for a $1288.00 deductible (this amount may change annually) when you are admitted to the hospital. This may happen several times a year.  There is no annual cap, meaning, a beneficiary can have several benefit periods in one year. A Medicare year begins on January 1st and ends December 31st.

Besides the deductible, most confinement costs are covered for days 1 through 60. Days 61-90 you will be responsible for $322 per day coinsurance, and days 91-150 you will be responsible for $644 per day coinsurance.  

 

TRUSTED TIP:

You can either apply for Medicare or Social Security, or both at the same time.

Trusted Senior Specialists can help you apply, please call Mon-Fri (8AM-8PM CST) 855-474-6234