Medicare Part A Coverage
Hospital Benefits Made Simple
If you're approaching 65 or planning your retirement health care, understanding Medicare Part A is a critical first step. This part of Original Medicare helps cover hospital-related expenses—but it’s not automatic, and it’s not all-inclusive.
At Integrity Financial Solutions Group, we break down Medicare Part A in plain terms, helping you make confident choices about your Medicare hospital coverage.
Ready to get started? Fill out our consultation form and we’ll walk you through it.
What Is Medicare Part A?
Medicare Part A is the portion of Original Medicare that covers inpatient care. It helps pay for:
- Hospital stays
- Skilled nursing facility care (short-term, post-hospital)
- Hospice care
- Limited in-home health services
Many people qualify for premium-free Part A, but there are still deductibles and coinsurance costs. We help you understand how this coverage works and where supplemental insurance might help fill the gaps.
Unsure what your hospital costs could be? Let’s talk it through.
Do You Qualify for Premium-Free Medicare Part 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 (40 quarters). But that doesn’t mean it’s cost-free:
- You’ll pay a deductible when admitted to the hospital
- You may face coinsurance for longer stays
- Out-of-pocket expenses can still add up
We’ll help you prepare for these costs and explore options like Medicare Supplement Plans or Medicare Advantage to reduce your out-of-pocket exposure.
Want to protect yourself from surprise medical bills? Schedule a free Medicare consult.
What Medicare Part A Doesn’t Cover
It’s important to know where Part A stops. It does not cover:
- Outpatient services (covered under Part B)
- Prescription drugs (covered under Part D)
- Dental, vision, or hearing care
- Long-term custodial care (like assisted living)
We help you pair your hospital insurance with the right coverage options to make sure you’re not left with costly gaps.
How Medicare Part A Fits Into the Bigger Picture
Medicare Part A is just one piece of your overall Medicare coverage. To get full protection, most people combine Part A with:
- Medicare Part B – Covers outpatient care like doctor visits, lab work, and preventive services.
- Medicare Part D – Adds prescription drug coverage, since Original Medicare (Parts A & B) doesn’t include it.
- Medicare Supplement (Medigap) – Helps pay for deductibles, copays, and coinsurance that Parts A and B don’t cover.
- Medicare Advantage (Part C) – Combines Part A, Part B, and often Part D into one bundled plan.
We help you understand how these parts work together—and which combination of coverage best fits your health needs, budget, and future plans.
Want to see how Part A fits into your full Medicare strategy? Start your personalized consultation here.
Why Work With Us?
Medicare is complex—we make it clear.
Licensed, Independent Agents
We’re not tied to any one insurer, which means we help you compare plans from multiple top providers.
Personalized Medicare Support
We take time to understand your needs, walk through benefits, and explain every choice.
Trusted in Arizona and Beyond
Based in Gilbert, we help retirees across the state and beyond feel confident in their Medicare choices.
Frequently Asked Questions About Medicare Part A
Is Medicare Part A free?
It’s free for most people who paid Medicare taxes for 10 years or more. If not, you may owe a monthly premium. But even with free Part A, you’ll still have deductibles and coinsurance.
What is the 2025 Medicare Part A deductible?
In 2025, the Part A hospital deductible is [$XXX – placeholder]. This is what you pay when admitted to the hospital before Medicare starts paying. We help you plan for this cost and others.
Does Part A cover rehab or nursing homes?
Only short-term skilled nursing care, and only after a qualifying hospital stay. Long-term care is not covered by Part A. We can walk you through other coverage options.
What happens if I delay enrolling in Part A?
If you’re eligible for premium-free Part A, there’s usually no penalty for delaying. But if you’re not eligible, late enrollment can trigger fees. We’ll help you time your enrollment correctly.
