Is there a premium I have to pay? At a high-level, Medicare Part A (Hospital Insurance) covers the following: Hospital care of inpatient. Conditioned home health services. Nursing facility care provided that custodial care isn’t the only care required. Hospice care. Medicare Part A covers hospital expenses that are critical for your inpatient care, including semi-private room, nursing services, meals, medications included in your inpatient treatment, and other related services and supplies from the hospital. Part A also has critical inpatient care provided through: Critical access hospitals. Acute care hospitals. Long-term care hospitals. Mental health care. Inpatient rehabilitation facilities. Participation in a clinical research study. In most cases, you won’t have to pay a monthly premium for Medicare Part A Hospital Insurance if you and your spouse paid Medicare taxes for at least 40 quarters (equal to about ten years of working). If you do not meet the qualifications for a premium-free Part A, you can buy it. Call Kevin Leinum Medicare Agent – your local Medicare Expert about what Medicare covers or how enrolling in a Medicare Advantage or Medicare Supplement plan can improve your coverage and reduce your out-of-pocket costs.
