Understand Your Medicare Part A Coverage
What is Medicare Part A?
Medicare Part A is hospital insurance provided by the federal government. It helps cover inpatient hospital care, skilled nursing facility care, hospice care, and some home health services.
Most people don’t pay a monthly premium for Part A if they or their spouse paid Medicare taxes while working. However, there are out-of-pocket costs you should be aware of:
2025 Part A Costs:
Deductible: $1,676 per benefit period
Hospital Copays:
- Days 1–60: $0 per day (after deductible is met)
- Days 61–90: $419 per day
- Days 91–150: $838 per day (lifetime reserve days)
- After 150 days: You pay all costs
Skilled Nursing Facility (SNF) Copays:
- Days 1–20: $0 per day
- Days 21–100: $209.50 per day
- After 100 days: You pay all costs
Medicare Part A is essential for covering the high costs associated with hospital stays and extended care.
