Medicare Part A - Trusted Senior Specialists

When Should I Apply

How Do I Apply

Part A cost

When Should I Apply For Medicare Part A?

Initial Enrollment Period – IEP, 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 are 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. This is for those who missed their IEP, there may be imposed penalties for Part B and D. Please note: Having Part A alone will not allow you to enroll in a Medicare Supplement or Medicare Advantage (Part C) plan. You can enroll in a Part D plan.

You will be responsible for a $1,676 deductible (this amount may change annually) when you are admitted to the hospital per benefit period. 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. This is why most beneficiaries enroll in a secondary plan, to give peace of mind when it comes to out-of-pocket expenses.

Medicare Part A (Hospital Insurance) covers inpatient hospital care when all of these are true:

● You’re admitted to the hospital as an inpatient after an official doctor’s order,
which says you need inpatient hospital care to treat your illness or injury.
● The hospital accepts Medicare.
● In certain cases, the Utilization Review Committee of the hospital approves your stay while you’re in the hospital.

Your stay while you’re in the hospital.

Your costs in Original Medicare:
● Days 1–60: $0 coinsurance for each benefit period.
● Days 61–90: $419 coinsurance per day of each benefit period.
● Days 91 and beyond: $838 coinsurance per each “lifetime reserve day” after day 90 for each benefit period (up to 60 days over your lifetime).

Beyond lifetime reserve days all costs.

What is Medicare Part A?

What is covered under Medicare Part A?

When Should I Apply For Medicare Part A?

How Do I Apply to Medicare Part A?

How much does Part A cost?

Most people get premium-free Part A:

Medicare Part A Costs for 2024

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

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