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Medicare Part A
Hospital Insurance
​​Your work history determines your monthly premium. Many people are eligible for premium-free Medicare Part A, which means there will be no monthly fee.
If you paid Medicare taxes while working, you are automatically enrolled in Part A when you sign up for Medicare. If you worked 40 quarters (10 consecutive years), you will receive Part A benefits at no monthly premium.
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Part A helps cover your inpatient care in hospitals. It also helps cover skilled nursing facilities, hospice care, and some home health care if you meet certain conditions.
Medicare Part A generally covers hospital fees. More specifically, it covers:
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In-patient hospital care, semi-private rooms, prescription drugs related to treatment, meals, and more.
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Skilled Nursing Facility Care is available for a limited time, including specific services and supplies required for care.
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Blood: If the hospital gets blood from a blood bank at no charge, you won’t have to pay for or replace it. If the hospital buys it for you, you must pay for the first three units of blood in a calendar year or have it donated.
​​​​​​​​​​What Does Medicare Part A Cover?
Other more specific types of care include (but are not limited to) semi-private rooms, medical supplies and equipment, and ambulance transportation, also included in Medicare Part A coverage.
Other services may be covered, but approval from your plan provider is required first. These services include:​
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Nursing home care does not include custodial care (i.e., dressing, bathing, etc.)
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Hospice care
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Home health services during recovery
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TWhite Insurance will help you better understand your Medicare coverage options.