Medicare Part A: Hospital Coverage
Because a hospital stay shouldn’t come with billing surprises.
What Part A Covers
Medicare Part A helps pay for hospital-related care, including:
- Inpatient hospital stays (room, meals, nursing care, and certain supplies)
- Skilled nursing facility care (short-term rehabilitation after a hospital stay)
- Hospice care (if you have a terminal illness)
- Home health care (if ordered by your doctor after a hospital stay)
You’ll use Part A whenever you’re admitted as an inpatient—not for routine outpatient or emergency visits.
What You Pay
Here’s how your costs work under Part A:
- Hospital deductible: You pay the first $1,736 of covered hospital costs for each benefit period.*
- Days 1–60: After you meet your deductible, Medicare covers 100% of approved hospital costs.
- Days 61–90: You pay $434 per day.
- Days 91 and beyond: You pay $868 per “lifetime reserve day”—and you get up to 60 of those over your lifetime.
💡 A “benefit period” begins the day you’re admitted as an inpatient and ends once you’ve been out of the hospital (or a skilled nursing facility) for 60 days in a row. You could have more than one benefit period in a year.
What Part A Doesn’t Cover
Part A doesn’t include:
- Doctor visits while you’re in the hospital (that’s Part B)
- Private rooms (unless medically necessary)
- Long-term custodial care
- Personal items like TV, phone, or toiletries
There’s also no annual spending limit under Part A—meaning your total out-of-pocket costs depend on how long and how often you’re hospitalized.
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We work with multiple Medicare plan carriers including:
- Aetna Inc.
- Devoted Health, Inc.
- Humana Inc.
- Mutual of Omaha Insurance Company
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Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period. Enrollment depends on plan’s contract renewal with Medicare.
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Medicare Advantage and Part D plans are insured by a Medicare Advantage HMO, PPO and PFFS organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment depends on plan’s contract renewal with Medicare.
We do not offer every plan available in your area. Currently we represent 4 organizations which offer 1056 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.
Not all carriers offer these benefits. Plans vary by region and state. Limitations and exclusions may apply.
Every year, Medicare evaluates Medicare Advantage and Part D plans based on a 5-star rating system.
Estimated annual costs are based on the usage you provided + yearly premiums. Medicare Advantage and Medicare Supplement plan calculations include the standard Part B premium + any Part B premium reductions. Actual annual costs depend on your usage, along with your Part B premium and the date you enroll.
Medicare Supplement insurance is generally available to individuals age 65 and older enrolled in Medicare Parts A and B. Availability for beneficiaries under age 65 who qualify for Medicare due to disability or End Stage Renal Disease varies by state. Benefits, eligibility, and premiums may vary by state.
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