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Medicare Part A (Hospital Coverage)

Hospital Coverage That Starts When You Need It Most

Medicare Part A helps cover inpatient hospital stays, skilled nursing facility care, hospice, and some home health services. It’s a foundational part of your Medicare benefits, and often one of the most misunderstood. At Chapman Insurance Group, I make it simple to understand what Part A covers, how it works, and how to avoid costly surprises.

What Medicare Part A Covers

Medicare Part A helps pay for inpatient hospital care, skilled nursing facility stays, hospice care, and some home health services. It's important to note that Part A coverage applies only if you're formally admitted as an inpatient; observation stays are covered under Part B.


You may qualify for Part A at no monthly cost if you’ve worked and paid Medicare taxes for at least 10 years (40 quarters). If not, premiums may apply.

  • $1,736 deductible per benefit period

  • Days 61–90: $434 daily hospital co-pay

  • Days 91–150 (lifetime reserve days): $868 daily co-pay

  • Skilled nursing care is fully covered for the first 20 days, then daily co-pays apply

  • Premiums vary based on how long you’ve paid Medicare taxes:

  • 40 quarters (10 years) or more: $0

  • 30–39 quarters: $285/month

  • Fewer than 30 quarters: $518/month

Medicare Part A has no out-of-pocket maximum. Without additional coverage like Medigap or a Medicare Advantage plan, extended hospital or skilled nursing stays can lead to significant out-of-pocket expenses.

Who’s Eligible

Automatic Enrollment or Easy to Apply

If you’re already receiving Social Security, you’ll be automatically enrolled in Medicare Part A at age 65. If not, or if you don’t qualify based on your own work history, you may be eligible through a spouse—or you can apply manually through Social Security. Premiums are based on work history. Not sure what your premiums should be?

Client Services

Need a Medicare From

If you’re enrolling in Medicare Part A and B without taking Social Security, applying for Extra Help, requesting an IRMAA adjustment, or submitting employer coverage info, you may need official forms to get started.

Medicare Part A is just one piece of your coverage. To fully protect your health and finances, you may also need:

  • Part B for doctor visits and outpatient care

  • Part D for prescription drug coverage

  • A Medciare Su[pplement to help pay what Parts A and B don’t

  • OR a Medicare Advantage plan that combines everything into one

Not sure what you need? I’ll help you see how it all connects—and what makes the most sense for your situation.

Support You Can Count On

We partner with leading carriers including Florida Blue, Aetna, Humana, Cigna, Mutual of Omaha, Blue Cross Blue Shield, UnitedHealthcare.

When you work with us, you get more than just a plan. You get ongoing support, local guidance, and a relationship built on trust. Our services are always free to you, and your premium stays the same whether you enroll with us or go direct.