Why Should You Apply for Medicare Part A?


Quick Answer

Those eligible should apply for Medicare Part A because, for most people, it is premium-free, and it provides primary hospital coverage or supplements other insurance plans, reports the U.S. Office of Personnel Management. Online enrollment is quick and easy on the official Social Security website, states the Social Security Administration.

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Full Answer

Medicare Part A is free for those who already receive or are eligible for Social Security or Railroad Retirement Board benefits, according to Medicare. Those who work 10 years or more while paying Medicare taxes are eligible for premium-free coverage, reports the U.S. Office of Personnel Management.

Medicare Part A covers inpatient hospital care, including room, meals, drugs, and other services and supplies, as reported by Medicare. It also covers patient care in a skilled nursing facility, including ambulance transportation, diet counseling, physical and occupational therapy, speech therapy, and on-site medical equipment and supplies. It provides coverage at a long-term care hospital, home hospice care and other home health services.

To obtain premium-free coverage, those eligible must sign up for Medicare Part A within three months of their 65th birthday, reports Medicare. Those already receiving Social Security benefits are signed up for Medicare Part A automatically. Others can apply without documentation on the Social Security website, and it takes approximately 10 minutes to complete the application, according to the Social Security Administration.

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