The two most common Medicare plans are Part A and B. Together, these two plans make up most of your basic insurance needs. The two plans are often referred to as original Medicare. They cover a variety of essential services, such as hospital bills, doctor visits and yearly checkups.

It also provides coverage for physical therapy and some select at-home health services. The majority of Medicare plans begin with Part A. If you need additional coverage as you get older or your health condition changes, you can apply for extra coverage during the open enrollment period.

Medicare Part A offers coverage for the majority of hospital care. In addition to covering your inpatient hospital stays, you can also use your Part A insurance for nursing facility and hospice care. For most Americans, health insurance is primarily used for hospital services.

Without healthcare, hospital bills can quickly pile up. There are many charges associated with staying in the hospital, even if you are only in for a quick treatment. It becomes even more expensive if you have a preexisting medical condition that makes you eligible for Medicare Part A coverage if you are under the age of 65.

The following type of hospital services is covered under Medicare Part A:

• Semi-private rooms. This can be upgraded to private if deemed necessary by the hospital.
• Medication for your procedure or post-treatment care.
• Daily hospital meals.

Another benefit of Medicare Part A is the plan offers limited home health care costs as well. Some of the services vary based on your condition. In most cases, as long as the home health services were recommended by your doctor or are considered essential for recovery after a medical procedure, your insurance will cover the expense.

The most common examples include physical therapy after an operation, or temporary skilled nursing care while you get back on your feet. The only at-home services that are not covered through Medicare are home meal delivery and cleaning services. 24-hour care is also unavailable.

Whether you must pay a monthly premium depends on your initial application. If you have a qualifying disability, the monthly premium is waived. Typically, if you are already receiving disability benefits from another source, such as Social Security, you are eligible for free Medicare Part A coverage. 

Many of the services provided through Medicare Part A are also covered under Part B as well. While there is some shared crossover, both plans also cover different areas. Carefully look over both plans when you are deciding which ones you need.

It is strongly recommended to purchase both, but depending on your medical needs, you may find one plan suits you better. More extensive information about all the services covered through Medicare Part A is available through the Social Security Administration.