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What is Medicare Part A? (Amy Thomas)


Medicare Part A covers in-patient hospital expenses.

Most people over 65 are eligible for premium-free Medicare Part A coverage if they or their spouse paid Medicare taxes while working for 10 years or more.

Many people would be interested to know that beneficiaries who do need pay for Part A coverage in 2017 pay a monthly premium up to $413 per month.
The Medicare Part A deductible for 2017 is $1,316 for each benefit period. A deductible is the amount you, the beneficiary, must pay out of pocket before Medicare begins covering its share of covered services.

Further, the 2017 coinsurance for hospital inpatient stays for each benefit period is as follows:

· No coinsurance for covered hospital stays 60 days or less.
· A daily $329 coinsurance for days 61 through 90 of a covered stay.
· A daily $658 coinsurance for days 91 and beyond (Days 91 and beyond in each benefit period are considered part of your “lifetime reserve days”; you can have up to 60 of these days over your lifetime.)

The 2017 coinsurance for 2017 skilled-nursing facility stays for each benefit period is the following:

· No coinsurance for 20 days or less
· A daily $164.50 coinsurance for days 21 through 100

 •You are responsible for all costs for days 101 and beyond


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