# [Health Insurance] 40, Medicare Part A Hospital Insurance

Page: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-40-medicare-part-a-hospital-insurance
Text version: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-40-medicare-part-a-hospital-insurance.md
Podcast: [Insurance Exam Prep](https://stenobird.com/podcast/insurance-exam-prep-7644557)
Published: 2026-05-06T23:26:01+00:00
Episode link: https://open-exam-prep.com/
Audio file: https://episodes.captivate.fm/episode/65bd69d5-5e7d-46a0-826e-afa4a987d863.mp3
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Duration seconds: 161

## Resource

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Medicare Part A provides coverage for inpatient hospital stays, skilled nursing facilities, home health, and hospice care. - The Part A deductible is applied per 'benefit period,' not annually, which can lead to multiple deductibles in one year. - Cost-sharing includes a deductible for the first 60 days, followed by significant daily coinsurance for extended hospital stays and lifetime reserve days. - A critical exam distinction is that Part A covers medically necessary skilled nursing care but excludes long-term custodial care. - Premium-free Part A is available to individuals with at least 40 quarters of Medicare-covered employment history. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

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## Transcript

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