Understand the Medicare Part A Deductible

Like Medicare Part B, Medicare Part A has a deductible However, how and when you pay it depends on your medical needs and usage. Call us at iHealthBrokers at 888-410-0344. Our services are 100% FREE!

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0:00 Intro
1:16 Part A Benefits
1:31 Long Term Care
2:05 Costs
2:21 Benefit Period
Medigap

Medicare Part A is part of Original Medicare. It covers your hospital insurance. Part A will cover:

Inpatient care in a hospital
Nursing home care (inpatient care in a skilled nursing facility that’s not custodial or long-term care)
Hospice care
Home health care
Skilled nursing facility care
A quick note about skilled nursing facility care and nursing home care- these are not to be confused with long term care. The purpose of these facilities is to provide skilled nursing care largely for recovery purposes. Long term conditions such as Alzheimers would disqualify you.

So, Part A and Part B which it your outpatient insurance comprise Original Medicare. Together they will cover most of your medical needs. There are costs that you should be aware of:
Premiums
Deductibles
Copays/Coinsurance

Most people don’t actually have a premium for Medicare Part A. There is, however, a deductible. The Part A deductible can be a little confusing because it’s not once annually. It’s applied per benefit period.

Your deductible is the amount you pay out of pocket before your insurance contributes to the cost share. In 2022, the deductible for Part A is $1556. Should you need a medical procedure in a hospital you will need to meet this deductible first. However, things can be a little bit more complicated from here.

The Part A deductible, unlike Part B, is not once per year. It is once per benefit period. Should you need to be hospitalized, you basically have 60 days from the day you last need care in the hospital for skilled nursing facility. The time period is your benefit period. The deductible that you’ve paid our of pocket will apply to any Part A covered services during that time. If you need to be admitted after that time, you will need to meet your deductible again.

If you wish to avoid the Part A deductible, you may want to consider a Medicare Supplement Plan which can cover or help to cover the deductible. You’ll have to pay an additional premium, but it can help you to avoid out of pocket expenses should you need major medical care.

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