Medicare Part A Coverage

• Long-term care (like nursing home care for extended periods)
• Private-duty nursing
• Custodial care (help with everyday activities like dressing or bathing)
• Dental care, eye exams, and hearing aids

It’s essential to understand these exclusions to plan your healthcare coverage accordingly.

Medicare Part A is generally available to people who:

• Are 65 or older
• Are under 65 with a disability
• Have end-stage renal disease (ESRD)
• Have Lou Gehrig’s disease (ALS)

If you’re eligible for Social Security benefits, you may automatically qualify for Medicare when you turn 65. However, there are specific enrollment periods you need to keep in mind.

For most people, Medicare Part A is premium-free if you or your spouse paid Medicare taxes for at least 10 years (40 quarters).

If not, you may have to pay a monthly premium. Other costs include:

• Deductibles: You’ll pay a deductible for each benefit period.
• Coinsurance: After a set number of days in a hospital or SNF, you may pay daily coinsurance.

We can help you understand how these costs work and guide you through your options.

• Automatically if you’re receiving Social Security benefits.
• Online through the official Medicare website.
• By visiting or calling your local Social Security office.

You can enroll during your Initial Enrollment Period or the General Enrollment Period if you miss the first window.

Medicare Part A covers inpatient care. Medicare Part B covers outpatient services like doctor visits, preventive care, and medical supplies.

Enrolling in both gives you complete healthcare protection.

We offer personalized advice to help you understand Medicare Part A, your options, and additional coverage you might need—at a cost that makes sense for you.

If you have questions about Medicare Part A or need help with supplemental options, contact us. We’ll guide you through what’s next and how to adjust your coverage to meet your changing needs.