Medicare Part A: What Does It Cover and What Does It Cost?
Medicare Part A, which is part of Original Medicare, covers very specific health care services.
What does Medicare Part A cover?
Medicare Part A Coverage includes only these 5 services:
- Inpatient hospital care
- Inpatient mental health care
- Skilled nursing services
- Hospice care
- Some blood transfusion
What is the cost of Medicare Part A coverage?
If you or your spouse worked forty quarter hours, you will not have a Part A premium.
However, Part A has a $1,408 deductible (2020) per benefit period and 20% co-insurance. These additional costs can be significant. We recommend you obtain additional coverage in the form of a Medicare Supplement or a Medicare Advantage Plan to avoid the potential risk of these coverage gaps.
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