Medicare Part A

What Does Medicare Part A Cover?

Medicare Part A is "hospital" insurance. Relying only on Part A can be risky, since it does not offer full health care coverage. With this coverage, it's also recommended that you enroll in Medicare Part B ("doctor" insurance) to cover your regular health care visits and needs. Coupled together, Part A and Part B are often referred to as Original Medicare.

Who is Eligible for Medicare Part A?

Coverage is available when you turn 65 or if you meet at least one of these criteria:

  • Already getting benefits from Social Security or the Railroad Retirement Board (RRB)

  • Under 65 and have a disability

  • Have ALS (Amyotrophic Lateral Sclerosis)

When Do You Get Medicare Part A?

You will automatically be enrolled in Part A and Part B when you turn 65. Social Security will send you your Medicare card in the mail 3 months before your 65th birthday or your 25th month of disability. You don't have to take any action to keep your coverage. You do have the option to drop Part B and only keep Part A, but it's not recommended.

What Does Medicare Part A Cost?

$0. Part A is free to those who qualify and is provided by Social Security.

Important Reminders about Part A:
It's free but it does not offer full coverage. Additional coverage is often needed to reduce your out-of-pocket costs and minimize financial risk. You can get additional coverage through Medicare Part B, Part C or Part D.

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