Part A

What does Medicare Part A cover?

Medicare Part A - Medicare Part A provides hospital coverage while receiving inpatient care in an acute care or mental health hospital setting.  Part A benefits also cover costs associated with rehabilitation services, skilled nursing facilities, home health care and hospice services.

How much does Part A cost?

Part A Premium - For most people, there is no premium for Medicare Part A because they or a spouse worked and paid Medicare taxes for at least 40 quarters (ten years).  For those who worked and paid Medicare taxes between 30-39 quarters, the cost to buy Medicare Part A is $471 per month and for those who worked less than 30 quarters, the monthly cost to purchase Medicare Part A is $259 per month in 2021.

Part A Deductibles and Co-Insurance - There are deductibles and co-insurance costs associated with Part A benefits.  These costs included the following:

  • Hospital Inpatient

    • $1,484 deductible for each benefit period​

    • Days 1-60:  $0 for each benefit period

    • Days 61-90:  $371 per day of each benefit period

    • Days 91 and beyond:  $742/day (lifetime reserve days, up to 60 days over lifetime)

    • Beyond lifetime reserve days:  All costs

  • Mental Health Inpatient

    • $1,484 deductible for each benefit period​

    • Days 1-60:  $0 for each benefit period

    • Days 61-90:  $371 per day of each benefit period

    • Days 91 and beyond:  $742/day (lifetime reserve days, up to 60 days over lifetime)

    • Beyond lifetime reserve days:  All costs

    • 20% of the Medicare-approved amount for mental health services provided by doctors during inpatient stay

  • Skilled Nursing Facility

    • Days 1-20:  $0/day​

    • Days 21-100:  $185.50/day

    • Beyond Day 101:  All costs

  • Home Health Care

    • $0 for Medicare-approved home health services​

    • 20% of the Medicare-approved amount for Durable Medical Equipment (DME)

  • Hospice Care

    • $0 for hospice care​

    • You may need to pay a copayment of no more than $5 for each prescription drug or product for pain relief.  You may need to pay 5% of the Medicare-approved amount for inpatient respite care.  Medicare does not cover room and board costs while receiving hospice care services.​​

How can I reduce the expenses related to Medicare Part A?

Medicare Supplement Plans - Medicare Part A deductibles and co-insurance costs can be reduced or paid entirely through a Medicare supplement plan.  There are different categories of these types of plans with coverage levels defined by Medicare so that insurance companies provide the same coverage level for each category.  Various insurance companies may offer different premium amounts and added benefits.  We can help you find a Medicare supplement plan in Colorado that fits your needs.

Medicare Advantage Plans When you enroll in a Medicare Advantage plan, your Part A is covered by an insurance company.  Many times, Part A deductibles and co-insurance costs are reduced or eliminated when you are enrolled in a Medicare Advantage plan and you may receive additional benefits that are not provided under standard Medicare.  PrimeTime Advisors can help you locate Medicare Advantage plans in your area and help you enroll in a plan that supports your healthcare goals.

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