Medicare Part A covers services (like lab tests, surgeries, and doctor visits) and supplies (like wheelchairs and walkers) considered medically necessary to treat a disease or condition.
When should you enroll?
If you are turning 65 you have a 7-month window in order to apply for coverage. If you are collecting Social Security or Rail Road Retirement Benefits you will automatically get Part A and B starting the first day of the month you turn 65.
If you are under 65 and have a disability you will receive Medicare after you have collected Social Security Benefits for 24 months.
You can sign up for Part A and/or Part B during the General Enrollment Period between January 1–March 31 each year.
If both of these apply:
- You didn't sign up when you were first eligible
- You aren’t eligible for a Special Enrollment Period
What does Medicare Part A cover?
In general, Part A covers:
- Hospital care
- Skilled nursing facility care
- Nursing home care (as long as custodial care isn't the only care you need)
- Home health services
What does Medicare Part A not cover?
Part A hospital inpatient deductible and coinsurance you pay:
- $1,316 deductible for each benefit period
- Days 1-60: $0 coinsurance for each benefit period
- Days 61-90: $329 coinsurance per day of each benefit period
- Days 91 and beyond: $658 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