Medicare Part A

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Many people get Medicare Part A without a premium if they’ve worked the required amount of time under Medicare-covered employment, generally 10 years or 40 quarters and paid Medicare taxes while working (see below for more information). However, your Part A coverage may still include other costs, even after Medicare has paid its share. This may include deductibles, copayments, and/or coinsurance, which can all change from year to year. Your costs may depend on the type of service you’re getting and how often.

Medicare Part A cost-sharing amounts (for 2020) are listed below.

Inpatient hospital care:

  • Medicare Part A deductible: $1,408 for each benefit period
  • Medicare Part A coinsurance:
    • $0 coinsurance for the first 60 days of each benefit period
    • $352 a day for the 61st to 90th days of each benefit period
    • $704 a day for days 91 and beyond per each lifetime reserve day of each benefit period (you get up to 60 lifetime reserve days)
    • After lifetime reserve days are used up: You pay all costs

Skilled nursing facility care:

  • $0 for days 1 to 20 for each benefit period
  • $176 a day for the 21st to 100th days (skilled nursing facility coinsurance of each benefit period)
  • Days 101 and beyond: all costs