Medicare Part A Detailed Cost Information:  (Hospital Insurance)

  • Monthly premium (for people who pay a premium):

    If you buy Part A, you'll pay up to $426 each month.

    Most people get premium-free Part A.

  • Late enrollment penalty:

    • If you don't buy it when you're first eligible, your monthly premium may go up 10%. (You'll have to pay the higher premium for twice the number of years you could have had Part A, but didn't sign up.) Learn more about Part A late enrollment penalty.

Part A costs if you have Original Medicare

Note: All Medicare Advantage Plans must cover these services. If you're in a Medicare Advantage Plan, costs vary by plan and may be either higher or lower than those in Original Medicare. Review the “Evidence of Coverage” from your plan.
  • Home health care

    • $0 for home health care services.
    • 20% of the Medicare-approved amount for durable medical equipment.
  • Hospice care

    • $0 for hospice care.
    • You may need to pay a copayment of no more than $5 for each prescription drug and other similar products for pain relief and symptom control while you're at home. In the rare case, your drug isn’t covered by the hospice benefit, your hospice provider should contact your Medicare drug plan to see if it's covered under Part D.
    • You may need to pay 5% of the Medicare-approved amount for inpatient respite care.
    • Medicare doesn't cover room and board when you get hospice care in your home or another facility where you live (like a nursing home).
  • Hospital inpatient stay

    • $1,216 deductible for each benefit period.
    • Days 1–60: $0 coinsurance for each benefit period.
    • Days 61–90: $304 coinsurance per day of each benefit period.
    • Days 91 and beyond: $608 coinsurance per each “lifetime reserve day” after day 90 for each benefit period (up to 60 days over your lifetime).
    • Beyond lifetime reserve days: all costs.
    Note: You pay for private-duty nursing, a television, or a phone in your room. You pay for a private room unless it's medically necessary.
  • A mental health inpatient stay

    • $1,216 deductible for each benefit period
    • Days 1–60: $0 coinsurance per day of each benefit period
    • Days 61–90: $304 coinsurance per day of each benefit period
    • Days 91 and beyond: $608 coinsurance per each “lifetime reserve day” after day 90 for each benefit period (up to 60 days over your lifetime)
    • Beyond lifetime reserve days: all costs.
    • 20% of the Medicare-approved amount for mental health services you get from doctors and other providers while you're a hospital inpatient.
    Note: There's no limit to the number of benefit periods you can have when you get mental health care in a general hospital. You can also have multiple benefit periods when you get care in a psychiatric hospital. Remember, there's a lifetime limit of 190 days.
  • Skilled nursing facility stay

    • Days 1–20: $0 for each benefit period.
    • Days 21–100: $152 coinsurance per day of each benefit period.
    • Days 101 and beyond: all costs.

    We know that this Medicare Part A detailed cost information can be confusing.  If you'd like us to help clear it up for you, please give us a call at 866-445-6683, or click here. You can also go to the official Medicare.gov website.

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