What is Medicare Part A?

Medicare Part A is hospital insurance for in-patient services. 

Three groups of people are eligible for Medicare Part A: 

• people 65 years and older
• people under 65 years with certain disabilities
• and people of any age with End-Stage Renal Disease. 

How much does Medicare Part A cost?

Very few people pay a premium for Medicare Part A—it’s FREE for most people! People who worked 10 years of Medicare-covered employment will not pay a premium. Those with less than 10 years of Medicare-covered employment can still pay a premium to get Part A coverage. 

Unsure if you need to sign up? Ask yourself these questions:

• Did I, or my spouse, work 10 years of Medicare-covered employment? 
• Am I, or my spouse, actively working and covered by an employer plan?
• Do I want to stop contributing to a Health Savings Account?

Also be aware that if the beneficiary/spouse is eligible for Medicare Part A but not enrolled in Medicare Part A, AND is enrolled in a work plan, the work plan does not have to pay. 

What does Medicare Part A cover?

Medicare Part A covers stays in hospitals, skilled nursing facilities, home health care, and hospice care. See the chart below for 2021 information. 

How do I sign up for Medicare Part A?

One of our local agents can assist you in signing up for Medicare Part A through HealthCare.gov. Our agents are here to help you make the best decision for your individual situation. Call (801) 901-3519 or schedule a time to talk to one of our advisors HERE.

 Be aware of enrollment deadlines: there may be a penalty for those who delay enrollment.