Option 1 - Part A
In-patient Hospital Coverage. Does not cover doctor visits and prescription drugs.
PART A only covers hospice care, and home health care. It does not covers doctor visits, outpatient care, Home health care, preventive services and prescription drug plans. There are out-of-pocket costs like 20% co-insurance.
You are usually eligible to enroll in Medicare PART A when you turn 65. There is no Premiun charged if you have paid Medicare Taxes for 10 years in your working life.
It is usually not a good idea to only enroll in PART A , unless you have creditable coverage from a former employer or spouse for Prescription drugs. You usually need additional Medical Insurance (Part B), Prescription Drug Coverage (Part D). You may also need Medicare Supplemental Plans to cover co-insurance and limit the maximum out-of-pocket expenses.
