What is Medicare Part A?
Medicare Part A is hospital insurance for in-patient services.
Three groups of people are eligible for Medicare Part A:
- people 65 years and older
- people under 65 years with certain disabilities
- and people of any age with End-Stage Renal Disease.
How much does Medicare Part A cost?
Very few people pay a premium for Medicare Part A—it’s FREE for most people! People who worked 10 years of Medicare-covered employment will not pay a premium. Those with less than 10 years of Medicare-covered employment can still pay a premium to get Part A coverage.
Unsure if you need to sign up? Ask yourself these questions:
- Did I, or my spouse, work 10 years of Medicare-covered employment?
- Am I, or my spouse, actively working and covered by an employer plan?
- Do I want to stop contributing to a Health Savings Account?
Also be aware that if the beneficiary/spouse is eligible for Medicare Part A but not enrolled in Medicare Part A, AND is enrolled in a work plan, the work plan does not have to pay.
What does Medicare Part A cover?
Medicare Part A covers stays in hospitals, skilled nursing facilities, home health care, and hospice care. See the chart below for 2021 information.
How do I sign up for Medicare Part A?
One of our local agents can assist you in signing up for Medicare Part A through HealthCare.gov. Our agents are here to help you make the best decision for your individual situation. Call (801) 901-3519 or schedule a time to talk to one of our advisors HERE.
Be aware of enrollment deadlines: there may be a penalty for those who delay enrollment.