Medicare Part A

Medicare Part A is part of what is known as Original Medicare and covers inpatient hospital services. If you worked and paid at least ten years of Medicare taxes, you can enroll for Part A without paying any monthly premium. To qualify for Part A, you must be aged 65 or older.

People who have Amyotrophic Lateral Sclerosis or End-Stage Renal Disease and people who have received Social Security disability benefits for 24 months qualify for Medicare Part A when under 65.

What Does Part A Cover?

Generally, Medicare Part A covers inpatient services. It covers certain tests or treatments the beneficiary needs while admitted to the hospital. It also covers limited home healthcare. This means if you need additional care at home after leaving an inpatient facility, Part A will cover the necessary medical expenses. Part A also covers hospice care and short-term stays at a skilled nursing facility. 

For beneficiaries who have opted for hospice care after a diagnosis, Medicare will cover the necessary healthcare expenses. Part A covers expenses such as physical therapy, nursing services, and certain medications during admission to a hospital. As for emergency room visits, Medicare Part A only covers the hospital costs if you were admitted to the hospital. 

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Enrollment and Eligibility

If you have received Social Security benefits, you will be automatically enrolled for Medicare Part A and B after turning 65. If you have received Social Security disability benefits for 24 months, you will become eligible for Part A on the 25th month. People with medical conditions such as Amyotrophic Lateral Sclerosis and ESRD can qualify for Part A before turning 65. 

If you do not fall under this category, you can register for Part A during your Initial Enrollment Period. The Initial Enrollment period starts three months before you turn 65 and ends three months after turning 65. 

To enroll for Medicare, you can visit the Social Security website or call the Social Security office to register on the phone. Alternatively, you can visit a local Social Security office to apply in person.


If you or your spouse have worked and paid up to 40 quarters (ten years) in Medicare taxes, you will qualify for premium-free Part A. However, if you have paid between 30 and 39 quarters, your monthly premium in 2024 will be $278, the same as in 2023. If you have paid less than 30 quarters, the premium will be $505, a $1 decrease from 2023.

Part A has some cost-sharing involved which increased the deductible to $1,632 for each benefit period in 2024. This is a $32 increase from 2023. The Part A inpatient hospital deductible covers beneficiaries’ share of costs for the first 60 days of Medicare-covered inpatient hospital care in a benefit period. In 2024, beneficiaries must pay a coinsurance amount of $408 per day for the 61st through 90th day of a hospitalization ($400 in 2023) in a benefit period and $816 per day for lifetime reserve days ($800 in 2023). For beneficiaries in skilled nursing facilities, the daily coinsurance for days 21 through 100 of extended care services in a benefit period will be $204.00 in 2024 ($200 in 2023).

Medicare Part A can help you cover vital inpatient hospital services. If you need more information and help, contact us today at 800-560-9373.