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Medicare is a complex service, split into four distinct categories known as Parts A, B, C, and D. Together, Medicare Parts A and B are known as Original Medicare.
Medicare Part A covers several important healthcare services. Coverage may depend on your medical needs, your doctor’s instructions, the type of care you receive, and whether the service meets Medicare requirements.
Inpatient hospital care may include semi-private rooms, meals, nursing services, and prescription drugs needed for your treatment. Medicare Part A hospital coverage may include inpatient care received in long-term care hospitals, inpatient mental health hospitals, acute care hospitals, and critical access hospitals.
Skilled nursing facility care may include semi-private rooms, meals, skilled nursing care, prescription medications, medical supplies and equipment, and ambulance transportation if medically necessary. You may be covered if your doctor has decided that daily skilled nursing care is medically necessary.
Hospice care may include doctor services, nursing care, durable medical equipment, medical supplies, and other services if you are terminally ill and your doctor has determined that you have six months or less to live. Home health services may include at-home skilled nursing care, physical therapy, occupational therapy, and other limited services when medically necessary.
Inpatient hospital care may include semi-private rooms, meals, nursing services, and prescription drugs needed for your treatment. Medicare Part A hospital coverage may include inpatient care you receive in long-term care hospitals, inpatient mental health hospitals, acute care hospitals, and critical access hospitals.
Skilled nursing facility care may include semi-private rooms, meals, skilled nursing care, prescription medications, medical supplies and equipment, and ambulance transportation if medically necessary. You may be covered if your doctor has decided that daily skilled nursing care is medically necessary.
Nursing home care may be covered for a limited portion of time if deemed medically necessary. Medicare Part A only covers nursing care if skilled care is needed for your condition, per a doctor’s instructions. You must require more than custodial care, such as help with daily living tasks like bathing or dressing, to be considered medically reliant for this type of care.
Hospice care may include doctor services, nursing care, durable medical equipment, medical supplies, and other services if you are terminally ill and your doctor has determined that you have six months or less to live.
Home health services may include at-home skilled nursing care, physical therapy, occupational therapy, and other services for a limited period when intermittent skilled nursing care or therapeutic services are deemed medically necessary. Medicare Part A may cover part-time home health care if you are homebound and receive these services through a Medicare-certified home health agency.
Many people are eligible to receive Medicare Part A without a premium if they or their spouse worked the required amount of time under Medicare-covered employment, generally ten years or 40 quarters, and paid Medicare taxes while working.
However, your Part A coverage may still include other costs, even after Medicare has paid its share. This may include deductibles, copayments, and coinsurance, which can change from year to year. Your costs may depend on the type of service you receive and how often you receive it.
Did you know that some Medicare Advantage plans and Medicare Supplement plans might offer additional services beyond Medicare Parts A and B? For example, some Medicare Advantage plans include benefits like wellness programs and routine vision and dental benefits.
Medicare Parts A and B do not typically cover these supplementary benefits.
Contact us today to learn more about Medicare plans.
Medicare Part A is hospital insurance. It may help cover inpatient hospital care, skilled nursing facility care, nursing home care when skilled care is medically necessary, hospice care, and certain home health services.
No. Medicare Part A is one part of Original Medicare. Original Medicare includes both Medicare Part A hospital insurance and Medicare Part B medical insurance.
Medicare Part A may cover nursing home care for a limited time if skilled care is medically necessary. It does not cover custodial care alone, such as help with bathing, dressing, or other daily living tasks.
Medicare Part A may cover part-time home health care if you are homebound and receive medically necessary skilled services through a Medicare-certified home health agency.
Many people do not pay a Medicare Part A premium if they or their spouse worked and paid Medicare taxes for the required amount of time, generally ten years or 40 quarters.
For 2026, the Medicare Part A inpatient hospital deductible is $1,736 for each benefit period.
For 2026, skilled nursing facility care costs $0 for days 1 through 20, $217 per day for days 21 through 100, and all costs after day 100 for each benefit period.
Yes. Some Medicare Advantage and Medicare Supplement plans may offer benefits or cost support beyond Original Medicare. Benefits vary by plan and location.
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