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A Quick Guide to
Medicare Part A

Starting January 1st, 2023:

  • Medicare Part A inpatient deductible for hospital admittance has increased from $1,600 (in 2022) to $1,632 (in 2023) for each benefit period.
  • The Medicare Part A premium for people with 30+ (but less than 40) quarters of work history, has not increased from $278/month (in 2023) and has stayed at $278/month (in 2024).
  • The Medicare Part A premium for people with fewer than 30 quarters of work history, is decreasing from $506/month (in 2023) to $505/month (in 2024).



  • Part A has a deductible that applies to each benefit period (rather than a calendar year deductible like Part B or private insurance plans) and is increasing from $1,600 (in 2023) to $1,632 (in 2024)*. 
  • *This increase applies to all enrollees, although many enrollees have Medicare Supplement (Medigap) Insurance coverage that pays all or part of the Part A deductible.
  • Days 1-60: $0 coinsurance for each benefit period.  
  • Days 61-90: $400 coinsurance per day of each benefit period.    
  • Days 91 and beyond: The coinsurance per each “lifetime reserve day” after day 90 for each benefit period is $816 coinsurance per day in 2024. (up to 60 days over your lifetime)
  • As in 2023, for 2024 the recipient will pay all costs beyond lifetime reserve days.



  • Medicare only covers skilled nursing facility care if the patient had an inpatient hospital stay of at least three days before being transferred to a skilled nursing facility. There is a coinsurance payment that applies to days 21 through 100 in a skilled nursing facility, and for days 101 and beyond, all costs must be paid by the recipient.
  • Days 1-20: $0 for each benefit period
  • Days 21-100: $204.00 (up from $200,00 a day in 2023) coinsurance per day of each benefit period.
  • Days 101 and beyond: all costs must be paid by the recipient.

Read More about 2024 Medicare Changes here.

Medicare Part A is health insurance offered by the Federal Government to most people who are 65 and older and some people under age 65 with certain disabilities. Medicare Part A helps pay for the cost of inpatient hospital care. When you sign up for Medicare, you automatically get Part A.

Speak with a licensed Medicare professional today.

Part A (Hospital Insurance) Helps cover the following:


  • Inpatient care in hospitals (such as critical access hospitals, inpatient rehabilitation facilities, and long term care hospitals)
  • Inpatient care in a skilled nursing facility (not custodial or long term care)
  • Hospice care services and home health care services


Part A is one of four types of insurance coverage offered by the Federal government for people who qualify. It is the only part that is automatically covered under Original Medicare, and most people do not pay a monthly premium for Part A coverage.

Most people will not have to pay a monthly cost (premium) for Part A, because they or their spouse paid Medicare taxes while they were working.


If you get benefits from Social Security or the Railroad Retirement Board (RRB), you automatically get Part A starting the first day of the month you turn age 65. If you are under age 65 and disabled, you automatically get Part A after you get disability benefits from Social Security or certain disability benefits from the RBB for 24 months. You will get your Medicare card in the mail 3 months before your 65th birthday or your 25th month of disability. If you have ALS (Amyotrophic Lateral Sclerosis, also called Lou Gehrig’s disease), you automatically get Part A the month your disability benefits begin.


If you are not eligible for premium free Part A, you may be able to buy Part A if you meet the following conditions:

  • You are 65 or older, and you are entitled to (or enrolling in) Part B and meet the citizenship or residency requirements.
  • You are under age 65, disabled, and your premium free Part A coverage ended because you returned to work.
  • You have not paid Medicare taxes through your employment.

Still have questions, or need more information on how to pick the plan that is right for you?

The Benefit Link is here to help! Give us a call and speak to a licensed insurance agent:


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