Medicare Part A (Hospital Insurance) in Mississippi & Louisiana

What Is Medicare Part A and Why It Matters

Medicare Part A is your hospital insurance—it helps cover inpatient care when you need it most. From hospital stays to skilled nursing and hospice care, Part A is a foundational piece of your Medicare coverage.



If you're in Mississippi or Louisiana and approaching 65, understanding how Part A works (and what it doesn’t cover) is key to making confident healthcare decisions.

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What Medicare Part A Covers

Medicare Part A includes:


  • Inpatient hospital stays
  • Skilled nursing facility care (short-term)
  • Hospice care
  • Some home health care services

Coverage is typically for medically necessary, inpatient-level care—not outpatient services or long-term custodial care.


Contact Us to learn how Part A fits into your broader Medicare plan.

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How Much Does Part A Cost?

Many people qualify for premium-free Part A if they or their spouse paid Medicare taxes while working.

Here’s a quick overview:


  • Premium: $0 if you’ve worked 10+ years (otherwise, there’s a monthly fee)
  • Deductible: $1,632 per benefit period (2024)
  • Co-insurance: Costs vary after 60 days of hospitalization

We’ll help you understand what you qualify for—and what to expect financially.

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When and How to Enroll in Part A

You're eligible to enroll in Medicare Part A:


  • At age 65 (your Initial Enrollment Period starts 3 months before your birthday month)
  • If you're receiving Social Security or Railroad Retirement benefits, you'll be automatically enrolled
  • If not, you’ll need to sign up manually through Social Security

We’ll walk you through each step and help avoid late penalties or coverage delays.

Contact Us for enrollment guidance tailored to your situation.

A man in a suit and tie is holding a stack of books.
A man in a suit and tie is holding a stack of books.

What Medicare Part A Doesn’t Cover

Part A doesn’t cover:


  • Doctor visits or outpatient services (that’s Part B)
  • Prescription drugs (that’s Part D)
  • Routine dental, vision, or hearing care
  • Long-term care or custodial nursing

That’s why most people pair Part A with Medicare Part B and either a Medicare Advantage plan or Medigap plan for full protection.

How Part A Works with Other Medicare Coverage

Medicare Part A is just the starting point. Here’s how it fits in:


  • Combine it with Part B for full Original Medicare coverage
  • Add a Part D plan for prescription coverage
  • Supplement with a Medigap plan to help with costs
  • Or choose an all-in-one Medicare Advantage plan that includes hospital, medical, and drug coverage

Not sure which path is best? We’ll guide you through every option.

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Frequently Asked Questions About Part A

  • Do I automatically get Part A at age 65?

    If you’re already receiving Social Security or Railroad Retirement benefits, yes. Otherwise, you’ll need to enroll yourself.

  • Does Part A cover all hospital costs?

    No. You’ll still have deductibles, co-pays, and out-of-pocket costs depending on how long you're admitted and the type of care.

  • What if I’m still working and have insurance?

    You may delay Part B, but most people take Part A even if they have employer coverage—especially if it’s premium-free.

  • Can I use any hospital with Part A?

    Yes, as long as the hospital accepts Medicare.

Contact Us with your Part A questions.

Ready to Understand and Maximize Your Medicare Part A Coverage?

We’re here to help you make sense of it all—without pressure or confusion. Whether you’re in Picayune, Slidell, or anywhere across Mississippi and Louisiana, we’ll guide you every step of the way.

Request a Free Consultation