Which Medicare component provides automatic hospital insurance for people 65 and older?

• A. Medicare Part B
• B. Medicare Part A
• C. Medicare Part C
• D. Medicare Part D

Answer: (B)

Hospital insurance under Medicare is provided by Part A. It covers inpatient hospital care and related services, and it’s premium-free for most people who have paid Medicare taxes through work. When you reach age 65 and begin receiving Social Security benefits, enrollment in this part is usually automatic. The other parts cover different services: Part B covers outpatient medical services, Part C (Medicare Advantage) combines A and B (and sometimes D) through private plans, and Part D covers prescription drugs.