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How to get medicare part a

how to get medicare part a

Medicare Part A is a federal health insurance

program that covers inpatient hospital care,

hospice care, and home health care. Here's a

look at the Part A basics.

Medicare is a type of health insurance that was created by the government to help cover medical bills for

citizens who meet certain requirements. Medicare Part A, part of the Original Medicare, is a government

funded hospital insurance that covers in patient care in hospitals, skilled nursing facilities and Religious

Nonmedical Health Care Institutions; hospice care services; and home health services.

Who Can Get Medicare Part A?

    Citizens over 65

Citizens under 65 with certain disabilities

Citizens with End-Stage Renal Disease

How Much Does Part A Cost?

If you or your spouse paid Medicare taxes while you were working, you typically don’t have to pay a

premium for Part A coverage.

You may be able to purchase Medicare Part A coverage if you are over 65 and meet the citizenship

requirement. If you are under 65, you must be disabled and can no longer obtain Part A Medicare

coverage for free because you’ve returned to work. The premium for Part A coverage could be as much

as $443 per month. If you purchase Part A Medicare Insurance, you typically must also purchase

When Can I Enroll in Part A?

You can automatically get Medicare Part A coverage on the first day of the

month you turn 65 if you also receive benefits from Social Security or the

Railroad Retirement Board (RRB). Your Medicare card will come in the mail

3 months before your 65th birthday.

On the other hand, if you are under 65 and you are disabled, you will

automatically receive Part A once you’ve received Social Security disability

benefits or certain RRB benefits for 24 months. Your Medicare card will come

in the mail on your 25th month of disability. An exception is made for those

with Amyothrophic Later Sclerosis, who automatically

receive Part A the

same month that disability benefits start.

You might have to sign up for Part A, even if you are eligible to receive it for

free. If, for any reason, you’re not receiving Social Security or RRB benefits,

you should contact Social Security (or the RRB if you worked for a railroad) 3

months before your 65th birthday to sign up.

How to Purchase Part A

You can purchase Medicare Part A if you aren’t eligible to receive it for free

during these times:

    During the initial enrollment period, from 3 months before you turn 65

up to 3 months after you turn 65.

    During the general enrollment period. Between January 1 and March

31 each year. This is the general enrollment period.

You should sign up when you are first eligible for Medicare Part A to avoid a

penalty increase on your premium with two exceptions.

1. If you waited to enroll in Medicare because you or your spouse

were enrolled in an employer’s group health plan, you have 8 months

after employment ended or the plan ended to enroll.

2. If you were an international volunteer, you have 6 months after your assignment ends to enroll.

What Does Medicare Part A Cover

    The cost of a blood transfusion if the hospital must purchase blood for you.

Medically-necessary part-time nursing care or physical therapy, speech-language pathology, or

occupational therapy.

    Hospice care for those with a life expectancy of 6 months or less due to a terminal illness.

Hospital stay in a semi-private room. This includes meals, general nursing, drugs, and other

    Up to 100 days each benefit period in a skilled nursing facility care including a semi-private

room, meals, skilled nursing, rehabilitative services, and other services.

What’s Not Covered By Part A

Category: Insurance

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