Medicare Part A (Hospital Insurance)
Federal hospital insurance that helps pay for inpatient hospital stays, skilled nursing facility care, hospice, and some home health.
About Medicare Part A (Hospital Insurance)
Medicare Part A is the hospital insurance portion of Original Medicare, run by the federal Centers for Medicare & Medicaid Services (CMS). Most people qualify automatically at age 65 if they or a spouse paid Medicare taxes for at least 10 years (40 quarters) of work, in which case Part A is premium-free.
Part A covers care you receive when you are formally admitted to a hospital, skilled nursing facility, or hospice program. It also covers limited home health services. Part A does not cover doctor fees in the hospital — those are billed under Part B.
Even with premium-free Part A, you are still responsible for a deductible and daily coinsurance for long inpatient stays. Many people pair Part A with a Medicare Supplement (Medigap) policy or a Medicare Advantage plan to limit those out-of-pocket costs.
- Inpatient hospital stays (semi-private room, meals, general nursing)
- Skilled nursing facility care after a qualifying hospital stay
- Hospice care for people who are terminally ill
- Limited home health services that follow a hospital stay
- Inpatient care in a religious nonmedical health care institution
- Blood received as a hospital inpatient
- Long-term custodial care (help with bathing, dressing, eating)
- Most dental, vision, and hearing care
- Doctor fees while you are in the hospital (those go through Part B)
- Private-duty nursing or a private hospital room (unless medically necessary)
U.S. citizens and lawful residents age 65+, plus people under 65 with certain disabilities, ESRD, or ALS — most qualify premium-free if they or a spouse worked 10+ years in Medicare-covered employment.
Most people pay $0 for the Part A premium because they paid Medicare taxes through work. Inpatient deductibles and daily coinsurance apply to longer stays. Premiums vary by county, age, household size, and plan year. Talk to a Yumi Health advisor for a personalized quote.
When you can enroll
Carriers active in New Jersey
These carriers offer this product to New Jersey residents. We shop across them to find the right fit.
No carriers in our directory currently sell this product in New Jersey. Talk to a Yumi Health advisor for the most up-to-date options.
New Jersey counties served
Yumi Health helps residents in all 21 New Jersey counties.
Sources
Information last reviewed: 2026-04-07. Specific premiums, networks, and benefits change every plan year — talk to a Yumi Health advisor for the most current details.
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