Medicare Part A

Medicare Part A, also known as Hospital Insurance, is a fundamental component of your Medicare coverage. Understanding the scope of Part A coverage and its associated expenses is essential for making informed healthcare decisions as you navigate your Medicare journey.


What does it cover?

  • Inpatient care in hospitals 
  • Skilled nursing facility care
  • Hospice care
  • Home health care


What does Medicare Part A cost in 2023?

$0 for most Medicare beneficiaries. If you or your spouse have paid Medicare taxes for at least 10 years (40 quarters) in your life, you do not pay a monthly premium for Part A (sometimes called “premium-free Part A”). If you or your spouse did not pay Medicare taxes for at least 10 years, you will pay either $278 or $506 per month, depending on your situation.


Other Medicare Part A Costs:

  • $1,600 deductible for each benefit period.
  • Days 1-60: $0 after deductible.
  • Days 61-90: $400 coinsurance per day of each benefit period.
  • Days 91 and beyond: $800 coinsurance per each “lifetime reserve day” after day 90 for each benefit period (up to 60 days over your lifetime).
  • Beyond lifetime reserve days: you pay all costs.

Medicare Part B 

Medicare Part B, often referred to as Medical Insurance, is a vital component of the Medicare program. It’s designed to cover a wide range of outpatient medical services and preventive care, ensuring that you have access to essential healthcare beyond hospital stays. 


What does it cover?

  • Services from doctors and other health care providers
  • Outpatient care
  • Home health care
  • Durable medical equipment (wheelchairs, hospital beds, and other equipment)


What does Medicare Part A cost in 2023?

  • $164.90 per month – You may pay more depending on your income.
  • $226 deductible
  • 20% of all costs after your deductible with no maximum out of pocket.


What does Original Medicare not cover?

Original Medicare (Parts A & B) does not cover the following:

  • Most dental care
  • Eye exams related to glasses
  • Dentures
  • Hearing Aids and fitting exams
  • Long-term care
  • Acpuncture
  • Massage therapy 
  • Cosmetic surgery

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