Medicare Part A – Hospital Coverage
Medicare Part A helps cover the costs of hospital care, skilled nursing facilities, hospice, and some home health services. Most people don’t pay a monthly premium for Part A if they or a spouse paid Medicare taxes while working.
What Part A Covers
- Inpatient hospital stays – including semi-private rooms, meals, nursing care, and medications while hospitalized
- Skilled nursing facility care – for rehabilitation after a hospital stay
- Hospice care – for terminal illness, including pain management and support services
- Home health care – limited, short-term care at home following a hospital stay
Costs to Consider
- Most people don’t pay a monthly premium for Part A
- Deductibles and coinsurance may apply for hospital stays and skilled nursing care
- Staying informed about these costs helps avoid surprises
Who Should Enroll?
- People turning 65 who are eligible for Medicare
- Anyone with a disability who has received Social Security benefits for 24 months
- Individuals with End-Stage Renal Disease (ESRD) or ALS
Why Part A Matters
Having hospital coverage is essential for protecting your health and finances. Even if you plan to enroll in Medicare Advantage or other coverage, Part A is often included and helps prevent high out-of-pocket costs from hospital stays.
Next Steps in Minnesota
- Confirm your eligibility for premium-free Part A
- Understand deductibles and coinsurance amounts for Minnesota hospitals
- Pair Part A with Part B and optional coverage like Medigap or Part D for comprehensive protection
YourMedicareMN can guide you step-by-step through enrollment and explain all Minnesota-specific rules.
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