Medicare Part A – Hospital Insurance
Medicare Part A is often called hospital insurance which helps cover inpatient medical needs.
What Part A Covers
Inpatient care (when you’re admitted to the hospital)
Skilled nursing facility care (short-term recovery, not long-term care)
Hospice care
Home health care (certain services at home when medically necessary)
Costs of Part A
Your costs will include your premium and any deductibles, copays or coinsurance while using the plan.
| In 2025: | Premium |
|---|---|
| If you or your spouse worked 40 quarters (10 years) in the USA | $0 per month |
| If you or your spouse worked between 30-39 quarters (7.5-10 years) in the USA | $285 per month |
| If you or your spouse worked under 30 quarters (7.5 years) in the USA | $518 per month |
Part A - Inpatient Cost Sharing (updated for 2025)
| Part A costs | What you pay |
|---|---|
| Deductible | $1,676 for each inpatient hospital stay |
| Inpatient Stay |
|
| Skilled Nursing Facility Stay |
|
👉 Total for 100 days in the hospital = $64,526!
Original Medicare Alone Leaves Big Gaps
Original Medicare (Parts A and Part B) gives you a base layer of coverage, but it can still leave you paying a lot out-of-pocket. Hospital deductibles, coinsurance, and long hospital stays can add up quickly and Medicare doesn’t have a maximum limit!
That’s why many people choose additional coverage with either a Medicare Advantage plan (Part C) or a Medicare Supplement plan. These plans can help limit surprise bills and give you more predictable costs.
If you’re unsure which route makes sense for you, I can walk you through the options so you feel confident about your coverage. Contact me today!