Coverage: Part A covers essential services during inpatient stays, including hospitals, skilled nursing facilities (with limitations), and in rare cases, home healthcare. It also covers blood transfusions and hospice care.

Long-Term Care: It’s important to understand that Part A doesn’t cover long-term nursing home stays. Consider additional long-term care insurance if needed.

Eligibility: Most people qualify for premium-free Part A at 65 if they receive Social Security retirement benefits. Exceptions include those with less than 40 quarters of Medicare coverage (may face a premium) or those who delay enrollment (may face a penalty). Individuals under 65 with disabilities, ALS, or end-stage renal disease may also qualify.