Medicare Part A is the hospital benefits through original Medicare. This covers hospital care, skilled nursing facility care, nursing care, hospice and home health services.
If you are 65 and receiving Social Security (SS) benefits, or if you are disabled and have been receiving SS for 24 months you will automatically be enrolled in Medicare Part A and you will not have to do anything. You are eligible to enroll beginning 3 months before your birth month, during your birth month and 3 months following for a total of 7 months. You should receive your Medicare card in the mail 3 months prior to your 65th birthday or 25th month of Disability. However, if you are turning 65 and not receiving SS benefits, or if you have End Stage Renal Disease (ESRD) you will need to enroll in Medicare and then Part A.
If you or your spouse has paid Medicare taxes while working you will have a “Premium Free Part A,” which entails not paying a monthly premium for Part A. If you do not qualify, the 2015 monthly premium for Medicare Part A is $407. The 2015 Medicare Part A deductible is $1260.
To determine if a service is covered under Medicare Part A talk with your doctor or visit www.Medicare.gov. Be sure to show your red white and blue Medicare card to ensure that your Medicare Part A is billed.