What Does Medicare Part A (Hospital Insurance) Cover?
- Cassidy Clark
- Feb 1
- 1 min read
Medicare Part A helps cover care when you are admitted to a hospital or need certain types of inpatient care. This part of Medicare is often called Hospital Insurance, but it includes more than just hospital stays.
Medicare Part A Helps Cover:
Inpatient hospital stays, including room, meals, nursing care, and medications given during your stay
Skilled nursing facility care after a qualifying inpatient hospital stay
Hospice care for individuals with a terminal illness
Limited home health services when ordered by a doctor and meet coverage qualifications such as:
Physical therapy to regain strength or mobility
Occupational therapy to help with daily activities, like dressing or bathing
Certain medical supplies or equipment, like walkers or hospital beds
And more
Important Things to Know About Part A:
Part A does not cover long-term custodial care (such as ongoing help with bathing or dressing)
Deductibles and coinsurance may still apply to hospital visits
Skilled nursing care is only covered for a limited time and only if Medicare rules are met
Being under “observation status” in a hospital is not the same as being admitted as an inpatient and may affect coverage
Most people receive Part A premium-free based on Medicare taxes paid by you or your spouse during previous years worked.
If you’re unsure when Part A applies or what costs you may be responsible for, an SGIA Benefit Consultant can help explain your coverage and assist you with claims or other Medicare services.
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