Medicare Part A

Medicare Part A Covers:
Hospital care
Skilled nursing facility care
Nursing home care (as long as custodial care isn't the only care you need)
Home health services

Medicare Part A Does Not Cover:
Does not cover things like:
Long-term care (also called custodial care)
Cosmetic surgery

For a complete breakdown of coverage, you can download “Your Medicare Benefits”.

Medicare Part A Cost:
You usually don't pay a monthly premium for Medicare Part A (Hospital Insurance) coverage if you or your spouse paid Medicare taxes while working.

If you have to purchase Part A, you'll pay up to $411 each month.


You can get premium-free Part A at 65 if:
You already get retirement benefits from Social Security or the Railroad Retirement Board.
You're eligible to get Social Security or Railroad benefits but haven't filed for them yet.
You or your spouse had Medicare-covered government employment.

If you're under 65, you can get premium-free Part A if:
You got Social Security or Railroad Retirement Board disability benefits for 24 months.
You have End-Stage Renal Disease (ESRD) and meet certain requirements.

In most cases, if you choose to buy Part A, you must also have Medicare Part B (Medical Insurance) and pay monthly premiums for both.

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