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If you dont qualify for premium-free Part A: You might be able to buy it. Youll pay either $278 or $506 each month for Part A, depending on how long you or your spouse worked and paid Medicare taxes. Remember: You also have to sign up for Part B to buy Part A. Learn more about how Medicare works.
Medicare Part A helps cover your inpatient care in hospitals, critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover hospice care and some home health care. You must meet certain conditions to get these benefits.
Eligible people may decide applying for Medicare Part A only is the way to go, but it covers only hospital stay expenses. Delayed enrollment in Part A can mean a 10 percent increase to your premium when you do sign up. If you sign up for Part A only, a similar penalty applies to delayed enrollment in Part B.
If you have health insurance that is secondary to Medicare, meaning it will pay after Medicare does, and drop Part B coverage, you risk having your insurance plan deny claims that Medicare would have paid for. If this happens, you may have to pay the full cost out of your pocket. You may also face late penalties.
How much does Medicare usually cost? Most enrollees will get Medicare Part A for free. This will provide coverage for hospitalization, skilled nursing and hospice. But the other parts of Medicare are not always free.
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If you get Part A premium-free, you can choose whether or not to enroll in Part B. Finally, state-specific programs exist to help pay Medicare premiums and other costs for beneficiaries with low incomes and assets who are not eligible for premium-free Part A.
Medicare Part A is free if you: Have at least 40 calendar quarters of work in any job where you paid Social Security taxes in the U.S. Are eligible for Railroad Retirement benefits. Or, have a spouse that qualifies for premium-free Part A.
If youre 65 or older, you can enroll online for Parts A and B, or Part A only. You can delay Part B if youre already covered through an employer group health plan. The application is for retirement benefits and Medicare, or Medicare only.

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