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Chapter 5: Medicare Part A (Hospital Coverage)

Chapter 4: Two Kinds of Medicare

Coverage

Medicare Part A is offered under both Original Medicare and Medicare Advantage plans and covers hospital expenses. However, there are some expenses not covered.

Out-of-Pocket Expenses

While Part A and other parts of Medicare have little cost, using these services is not free. There will be out-of-pocket expenses. These can include:

  • Inpatient care in a hospital
  • Inpatient care in a skilled nursing facility
  • Hospice care
  • Home health care
  • In-patient care in a religious nonmedical health care institution

Hospital A hospital stay has a $1,288 deductible per visit. After that, the first 60 days in the hospital are covered, with days 61 through 90 costing $322 per day, and days 90 through 150 costing $644 per day.

This pay scale starts again with every visit to the hospital so if you are in the hospital for a week, go home, and return, you will be charged another deductible and the calendar begins again.

Skilled Nursing

The first 20 days of Skilled Nursing services are covered under Medicare Part A, with days 21 through 100 costing $161 per day.

Blood

If you need blood, Original Medicare Part A also covers the first 3 pints. If you need more than 3 pints, you must pay 80% of the costs thereafter.

Bottom Line: While there is no monthly premium for Original Medicare Part A, using services covered by Part A is not free.

Chapter 6: Medicare Part B (Medical Coverage)