Insurance Exam Prep

Ran Chen, EA, CFP®

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[Health Insurance] 40, Medicare Part A Hospital Insurance

5/6/2026 • 2 min

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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