Medicare Part A – Hospital Insurance
When it comes to your health, having a safety net for hospital stays is essential. Medicare Part A is that safety net — helping cover major medical services like hospital care, skilled nursing, hospice, and certain home health care.
As your local Medicare agent here in Maryland, I’m here to make Part A simple so you can feel confident about your coverage and focus on what matters most — your health.
What Does Medicare Part A Cover?
Medicare Part A helps pay for:
- Inpatient hospital stays – This includes your room, meals, nursing care, and other hospital services.
- Skilled nursing facility care – For recovery after a qualifying hospital stay (but not long-term or custodial care).
- Hospice care – Comfort-focused care for those with a terminal illness, along with support for your family.
- Limited home health services – Skilled care at home when medically necessary.
Who Is Eligible for Part A?
You’re eligible if:
- You’re 65 or older and a U.S. citizen or permanent resident.
- You’re under 65 and have certain disabilities.
- You have End-Stage Renal Disease (ESRD) and meet Medicare’s requirements.
Medicare Part A Costs & Coverage at a Glance
| Service | What’s Covered | Your Cost (2025) |
|---|---|---|
| Premium | Most people get Part A for free (based on work history). | $0 for most |
| Inpatient Hospital Stay | Semi-private room, meals, nursing, hospital services. | $1,632 deductible per benefit period, then $0/day for first 60 days |
| Days 61–90 | Continued hospital stay. | $408/day |
| Days 91+ (Lifetime Reserve Days) | Up to 60 days over your lifetime. | $816/day |
| Skilled Nursing Facility Care | After qualifying 3-day hospital stay. | $0/day for first 20 days, then $204/day for days 21–100 |
| Hospice Care | Comfort care, pain relief, emotional and spiritual support. | Usually $0 |
| Home Health Care | Skilled nursing, therapy, medical supplies. | $0 for most services |
How to Enroll
If you’re not automatically enrolled, you can sign up for Part A:
- Online through the Social Security Administration.
- In person at your local Social Security office.
- By calling 1-800-772-1213. When you work with me, I’ll walk you through this step-by-step to make sure you don’t miss any deadlines.
Why Work With a Local Medicare Agent?
The rules for Medicare coverage can be tricky — and a wrong assumption can cost you money. I’ll help you:
- Understand your Part A benefits and costs.
- See how Part A fits with Part B, Part D, or a Medicare Advantage plan.
- Avoid costly mistakes during enrollment.
Let’s make Medicare simple. Call me, Jake McGeoy, at [443-797-3923 (TTY-711)] to review your Medicare options. There’s no cost for my help — and you’ll get clear answers, not confusing jargon.