Parts of Medicare Basics - Part A

Published by: Medicare Made Clear

The best place to start learning about Medicare is with the basics – with Parts A, B, C and D. The first in a four-blog series, this “Medicare Basics” blog will focus on Medicare Part A.

 

Medicare Part A is one part of what is known as Original Medicare, which is administered by the federal government and also includes Medicare Part B. Part A provides coverage for care received while you’re an inpatient at a hospital or skilled nursing facility, and is often known as Medicare hospital insurance.

 

 

What Medicare Part A Covers

 

Medicare Part A provides coverage for a variety of hospital charges and services including skilled nursing services, your meals, lab tests and x-rays given as an inpatient, operating room and recovery room services and more.

 

 

List of health items and services covered by Part A:

 

  • A semi-private room
  • Hospital meals
  • Skilled nursing services
  • Care on special units, such as intensive care
  • Drugs, medical supplies and medical equipment used during your inpatient stay
  • Labs, tests and x-rays given as an inpatient
  • Operating room and recovery room services
  • Some blood transfusions given in a hospital or skilled nursing facility
  • Rehabilitation services such as physical therapy received through home health care
  • Skilled health care in your home – if you’re homebound and you need only part-time care
  • Hospice care

 

 

Does Medicare Part A Cost Anything?

 

For most people, Medicare Part A is premium-free. This is true if you or your spouse worked and paid Medicare taxes for at least 10 years. If you do have to pay a premium for Part A, it could cost as much as $458 per month.

 

Part A also includes a deductible and copayments related to stays in a hospital, skilled nursing facility and for hospice.

 

  • For 2020, the Part A deductible is $1,408.
  •  

  • For hospital stays:

     

    • Up to 60 days - Medicare Part A covers the cost.

    • Days 61-90 - $352 copayment per day.

    • Days 91 and beyond- $704 per day copayment up to 60 lifetime reserve days.

  • For skilled nursing facilities, you pay:

     

    • Days 21-100 - a $176 per day copayment.

    • Days 101 and beyond - you pay all costs.

  • For hospice care you may pay:

     

    • Up to $5 per prescription for medications for pain and symptom management.

    • 20% of the cost of durable medical equipment used at home.

    • 5% of the Medicare-approved amount for respite care.

Continue Learning About Medicare

 

Find the information you need on the basics of Medicare, plan types, how to enroll and FAQs.

About the Author

Medicare Made Clear

 

Providing simple information and clear answers about Medicare insurance plans and choices for current and future beneficiaries, retirees, caregivers and health care providers.

Call UnitedHealthcare at {{tfn}}, TTY 711 (toll-free)

 

Hours: 8 a.m. – 8 p.m.

7 days a week

Call UnitedHealthcare at {{tfnMedSupp}}, TTY 711 (toll-free)

 

Hours:

7AM to 11PM ET,

Monday – Friday

9AM to 5PM ET, Saturday

Related Topics


Eligibility & Enrollment

 

Benefits & Coverage

 

Medicare Costs

 

Shopping for Medicare

 

Working Past 65

 

Medicare Tips & FAQs

Get the Latest

 

Boost your Medicare know-how with reliable, up-to-date news and information delivered to your inbox every month.

Sign up now

Related Articles

Explore More Medicare Topics

Benefits & Coverage

Working Past 65

Medicare Costs

Medicare Tips & FAQs

Shopping for Medicare

Eligibility & Enrollment

Find a Plan

Call Us

Call UnitedHealthcare at {{tfn}}, TTY 711 (toll-free)

 

Hours: 8 a.m. – 8 p.m.

7 days a week

Call UnitedHealthcare at {{tfnMedSupp}}, TTY 711 (toll-free)

 

Hours:

7AM to 11PM ET,

Monday – Friday

9AM to 5PM ET, Saturday

Meet with Us

Make an appointment with a licensed agent/producer in your area