Medicare Part A Eligibility and Costs
You are eligible for Medicare Part A if you are age 65 or older or have been diagnosed with qualifying disabilities. Many individuals are eligible for Part A coverage with no premium costs. You qualify for premium-free Part A coverage if:
- You already receive retirement benefits from Social Security or the Railroad Retirement Board
- You are eligible for retirement benefits but have not yet filed to receive them
- You or your spouse worked for a Medicare-covered government employer
If you are not eligible for premium-free Part A coverage, you may be able to purchase a policy. The premium costs for Part A plans vary based on how many quarters you have paid Medicare taxes.
With Medicare Part A, you may also be required to pay copays, deductibles, and coinsurance. The amount you pay varies based on how much you have paid so far, and the type of service received. Consult an expert to determine exactly how much you will be required to pay for Medicare Part A coverage.
What Does Part A Cover?
Medicare Part A allows recipients to receive affordable coverage for the following services:
- Inpatient hospital care
- Care in a skilled nursing facility
- Care in a nursing home
- Hospice care
- Home health care
What Is Not Covered Under Medicare Part A?
Medicare may offer extensive coverage, but it does not cover all health care services. You will need to look outside of Original Medicare coverage to receive the following benefits:
- Custodial care
- Most dental care
- Cosmetic surgery
- Routine foot care