If you’re turning 65 or have a disability, you’ve probably heard the term “Medicare Part A.” In plain talk, Part A is the hospital part of Medicare. It helps pay for inpatient stays, skilled‑nursing care, hospice, and some home health services. Think of it as the safety net that covers the big, expensive health events.
Most people don’t have to pay a premium for Part A. If you (or your spouse) have paid at least 10 years of payroll taxes while working, you qualify automatically. That’s the typical route for retirees. If you haven’t met the work‑credit rule, you can still buy Part A, but the premium can be a few hundred dollars a month. The good news is you won’t lose any other Medicare benefits if you decide to skip Part A; you just won’t have hospital coverage.
Here’s a quick rundown of what you can expect:
Everything else—like doctor visits or prescription drugs—falls under other parts of Medicare (Part B, Part D, or a separate plan).
When you first sign up, you’ll get a Medicare card with a number that tells the hospitals and doctors you’re covered by Part A. Keep that card handy; you’ll need it every time you’re admitted.
The enrollment window opens three months before you turn 65, includes the month you turn 65, and closes three months after. If you miss this period, you’ll face a late‑enrollment penalty that adds 10 % to your Part B premium, but Part A itself stays free as long as you qualify.
For people receiving Social Security benefits, enrollment is automatic. If you’re still working and have employer coverage, you can delay Part A without penalty and let your employer’s plan cover you for now.
Even though Part A has no regular premium, you still face coinsurance after certain days. Here are a few ways to limit what you pay:
Remember, Medicare is only one part of your overall health picture. The tag page also features articles on private healthcare costs, mental support, and navigating health services in other countries—useful reads if you’re comparing options.
Bottom line: Medicare Part A is your hospital safety net, free for most retirees, and straightforward to enroll in. Knowing what it covers, when you might pay coinsurance, and how to pair it with other plans can save you a lot of stress and money.
Curious if Medicare Part A is truly free when you turn 65? Learn who pays, who doesn't, the hidden costs, and sneaky rules that could surprise you.