You can think of Medicare Part A as your “room and board” in the hospital. It can cover a semi-private hospital room with a bed, three meals per day, and the nurse that comes around to visit you. Medicare Part A benefits include medications given to you by the hospital and any necessary lab services or medical supplies. However, before Medicare Part A can pay anything, you must first pay Part A deductible, which is $1,556 for 2022.
Inpatient hospital care is covered by Medicare Part A when: 1
According to CMS, 2 the Part A inpatient hospital deductible can cover your cost for the first 60 days of Medicare-covered inpatient hospital care. For example, you become an inpatient at a hospital on Jan. 1. Happy New Year, you pay the Part A deductible. The next day your doctor discharges you. After 60 consecutive days you have not been admitted as an inpatient. Then on April 1, you get injured and become an inpatient again. Now, you will need to pay the Part A deductible again.
When you enroll in Medicare Part A, in general, it can cover:
You may receive Medicare services from the following inpatient facilities:
After you have paid your Part A deductible of $1,556 in 2022, Part A pays for long-term care in a LTCH for the first 60 days of hospitalization. However, between 61 days and 90 days you pay. After 90 days, you pay $778 co-insurance per each “lifetime reserve day” in 2022. After being discharged from an LTCH, many people receive care in a skilled nursing facility or custodial care in a long-term care facility.
Medicare Part A coverage can include skilled nursing care provided by a SNF under certain conditions and for a limited time. Skilled care is nursing and therapy care that can only be safely and effectively performed by or under the supervision of professionals. It is health care given when you need skilled nursing or skilled therapy to treat, manage, or observe your condition and evaluate your care.
Medicare Part A pays for up to 20 days of skilled nursing or therapy staff. However, you pay $194 co-insurance in 2022 for days 21 to 100. You pay all costs beyond 100 days.
Medicare Part A 3 can pay for your hospice care. However, you may need to pay a co-payment of no more than $5 for each prescription drug. For example, drugs for pain relief and symptom control while you are at home. Furthermore, you may need to pay 5% of the Medicare-approved amount for inpatient respite care.
Home health care is a wide range of health care services which are administered in your home for an illness or injury. For example, skilled home health care services can include:
To receive home health care, a doctor must certify that you need one or more of the following:
To find out if Medicare can cover what you need, talk to your doctor or other health care provider. The following benefits are covered by Medicare Part A:
Medicare Part A can cover blood you get as a hospital inpatient. In most cases, the hospital gets blood from a blood bank at no charge to you. However, if the hospital has to buy blood for you, you will need to pay hospital costs for the first three units of blood in a calendar year. Otherwise, you will need a blood donor. 4
As a hospital patient Medicare Part A can cover blood transfusions. You may receive a blood transfusion to restore blood volume after a serious injury. You may also get blood transfusions to improve the oxygen-carrying capacity of blood due to severe anemia. 5
Medicare Part A pays for anesthesia services provided by a hospital if you are an inpatient. However, you will pay 20% of the Medicare-approved amount for the anesthesia services provided by a doctor or certified registered nurse anesthetist. Moreover, the anesthesia service must be associated with the underlying medical or surgical service. In addition, you may have to pay the facility a co-payment. 7
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