What is Medicare Part A?
If you’re asking what is Medicare Part A, it’s the portion of your Medicare coverage that helps pay for care when you’re admitted to a hospital or other inpatient facility. It is one of the two parts of Original Medicare.
It helps cover inpatient hospital care, skilled nursing facility care, hospice care, and some home health care.
In 2025, the Medicare Part A deductible for each inpatient hospital benefit period is $1,676. This is an increase from $1,632 in 2024. You’re responsible for this amount before your hospital insurance coverage begins paying.
At Absolute Best Insurance, we’ve been helping people across South Florida for over 20 years. From Broward County and up through the Space Coast, our local agents work with you to find the right plan to fit your needs and your budget.
Medicare Part A: Frequently Asked Questions
Q: What is Medicare Part A and what does it cover?
A: Medicare Part A is part of Original Medicare. It helps pay for inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health services.
Q: Do I have to pay a premium for Medicare Part A?
A: Most people don’t pay a monthly premium for Part A if they or their spouse worked and paid Medicare taxes for at least 10 years. If not, you may pay up to $505 per month in 2025.
Q: How much is the Medicare Part A deductible in 2025?
A: The 2025 deductible for inpatient hospital care is $1,676 per benefit period.
Q: Does Medicare Part A cover long-term care?
A: No, Medicare Part A does not cover long-term custodial care in a nursing home. It only covers skilled care for a limited time under certain conditions.
Q: What’s the difference between Medicare Part A and Part B?
A: Part A covers inpatient hospital and facility care. Part B covers outpatient services like doctor visits, lab tests, and preventive care.
Q: Can I get help choosing the right Medicare plan?
A: Yes. At Absolute Best Insurance, we help people from Broward County to the Space Coast understand their options and choose the Medicare coverage that fits their health needs and budget. Our local agents are here to make the process easier.
What You Pay With Medicare Part A
For most people, Part A is premium-free. If you or your spouse worked and paid Medicare taxes for at least 10 years, you likely don’t pay a monthly premium.
If you paid Medicare taxes for fewer than 30 quarters, your 2025 premium is $505/month. If you paid Medicare taxes for 30–39 quarters, the premium is $278/month.
Here’s how other costs for you break down for this form of hospital insurance coverage in 2025:
- $1,676 deductible per benefit period
- Days 1–60: $0 coinsurance (you pay nothing)
- Days 61–90: $419 per day
- Days 91 and beyond: $838 per “lifetime reserve day” (up to 60 days over your lifetime)
- After lifetime reserve days: You pay all costs
If you’re receiving care in a skilled nursing facility, you will pay:
- Days 1–20: $0
- Days 21–100: $209.50 per day
- After day 100: You pay all costs
How It Fits With Other Medicare Coverage
When you sign up for Original Medicare, you get both Part A and Part B. What is Medicare Part A in this setup? It’s the portion that covers your hospital insurance coverage, while Part B covers outpatient services, doctor visits, and preventive care.
If you enroll in a Medicare Advantage plan (also called Part C), you’re still getting Part A and Part B benefits, but through a private company. These plans often include prescription drug coverage and may offer additional benefits like dental or vision.
Local Help With Medicare Part A in South Florida
Understanding what is Medicare Part A can feel overwhelming, especially with changing deductibles and coverage levels each year.
That’s where our team at Absolute Best Insurance comes in. We’ve been helping people across South Florida, from Deerfield Beach to Greenacres to Melbourne for over 20 years.
Our licensed agents can meet with you in-person. That’s right, we make house calls! Also, there is no extra charge, our service are free! We have teams ready to help in:
We’ll walk you through how Part A, Part B, and even Medicare Advantage, Part D prescription plans, and Medigap coverage works. Then we’ll help you decide which option fits your health and budget needs.
Get Answers From a Local Medicare Expert
If you’re asking what is Medicare Part A and how it fits into your overall retirement planning, we’re here to help. Absolute Best Insurance specializes in Medicare, Obamacare, all forms of life insurance, and more.
We take the guesswork out. Our job is to help you ask the right questions and understand your options. You’ll always work with someone local who knows the ins and outs of Medicare options available in your town.
Let us help you find a plan that fits your life, now and in the future. Click here or give our team a call for a free, no-obligation quote.
Tamarac: (954) 642-2101
Deerfield Beach: (754) 778-8700
Greenacres & Vero Beach: (561) 420-0280
Port St. Lucie & Melbourne: (772) 828-2840
Sebastian (Micco): (772) 321-0813
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