Medicare Part A

Part A covers hospital stays and most of the inpatients services

Coverage includes:

A semi-private room
Your hospital meals
Skilled nursing services
Care in special units, such as intensive care
Drugs, medical supplies and medical equipment used during an inpatient stay
Lab tests, X-rays and medical equipment used during an inpatient
Operating room and recovery room services
Some blood transfusions in a hospital or skilled nursing facility
Inpatient or outpatient rehabilitation services after a qualified inpatient stay
Part-time, skilled care for the homebound after a qualified inpatient stay
Hospice Care for the terminally ill, including medications to manage symptoms and control pain

You cannot be denied Part A Coverage

You may go to any qualified health care provider in the United States who participates in the Medicare program and is accepting Medicare patients.

Part A Costs

Premium

Per Month

If you or your spouse have made payroll contributions to Social Security for at least 10 years, you will not pay a Part A premium. Otherwise, your premium could be up to:

$506

Per Month

Your premium may be higher if you don't sign up for Medicare when you are first eligible.

Deductible

For each benefit period, you have to pay a Part A deductible before Part A starts to pay a share of your costs. A benefit period begins the day you are admitted to the hospital and ends when you've been out of the hospital 60 days in a row.

You pay only one deductible each benefit period, even if you had more than one hospital stay.

For 2023, the Part A deductible is

$1,600

Per benefit period

For 2024, the Part A deductible is

$1,632

Per benefit period

Coinsurance

Home hospice patients may pay a small coinsurance amount for inpatient respite care or durable medical equipment used at home.

Plus, copays for:

Hospital Stays

You have 60 lifetime reserve days of coverage you can

use if you're in the hospital longer than 90 days.

Each lifetime reserve day may be used only once, but you may

apply the days to different benefit periods. Lifetime reserve days

may not be used to extend coverage in a skilled nursing facility.

Skilled Nursing Facilities

Hospice Care

Copays during home hospice care may include up to

$5 per prescription for pain and symptom management

Part A coverage and costs are based on benefit periods

A benefit period begins the day you're admitted to the hospital.

It ends when you've been out for 60 days in a row.

Penalty

People who pay a premium (most don't) could pay an additional 10% of the premium amount. The penalty is charge every month for twice the number of years enrollment was delayed.

Medicare and Life 4 You Insurance Ag

3500 Leopard Street - Inside HEB, Corpus Christi, Texas 78408

(361) 877-0211