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Medicare Part A: is designed to assist with the costs of your hospital stays, including in critical access hospitals, skilled nursing facilities (excluding custodial or long-term care), hospice care, and certain home health care services. Eligibility for these benefits is subject to specific conditions.
Coverage:
Cost: most individuals are exempt from paying a monthly premium (referred to as a premium) for Part A. This exemption is typically applicable to those who, or whose spouse, have contributed to Medicare taxes during their employment years. However, if you, or your spouse, haven’t paid Medicare taxes and are aged 65 or older, there may be an option to purchase Part A coverage.
Eligibility: check if you are eligible for Medicare by using the Medicare Eligibility Tool
| Plan stages | Member typical pays | Plan typically pays | Stage limit |
|---|---|---|---|
| Annual Deductible | 100% until you reach the plan deductible | 0% | Varies by plan |
| Initial coverage | A copay or coinsurance | Balance after copay | Total drug costs reach $5,000 |
