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3 Basics Aspects of Hospital Care


No one ever plans to be hospitalized, but for many enrolled in Medicare Part A it is a relief for them to know that this part of Original Medicare will cover some of the expenses they will incur during their hospitalization. Medicare Part A is often referred to as Hospital Insurance and this part of Medicare helps pay for the care you receive if you are admitted as an inpatient in a hospital or skilled nursing facility.

Included in these hospital services are semi-private rooms, meals, general nursing, and medication and supplies needed for your care during your inpatient stay. That includes the care you receive in facilities such as:

  • Acute Care Hospitals
  • Critical Access Hospitals
  • Inpatient Rehabilitation Facilities
  • Long Term Care Hospitals
  • It also includes inpatient care as part of a qualifying clinical research study and
  • Health Care given in a psychiatric hospital or other hospital

Who is eligible to have these services covered?

All people enrolled in Part A are covered when this is true:

  • A doctor makes an official order which says that you need 2 or more midnight's of medically necessary treatment for your illness or injury and you are formally admitted into the hospital.
  • You need the kind of care that can only be administered in a hospital
  • The hospital accepts Medicare
  • The Utilization Review Committee of the hospital approves your stay while you are in the hospital.

Your Costs with Original Medicare:

  • $1,364 deductible for each benefit period
  • Days 1-60: $0 coinsurance per each day of each benefit period
  • Days 61-90: $341 coinsurance per day of each benefit period
  • Days 91 and beyond: $682 coinsurance for each “lifetime reserve day” after day 90 for each benefit period (up to 60 days over your lifetime)
  • Beyond lifetime reserve days you will be responsible for all costs

What is not covered under Part A:

  • Private duty nursing
  • Private Rooms (unless medically necessary)
  • Television and phone in your room if there is a separate charge for these items
  • Personal care items such as razors or slipper socks
  • Costs also may not be covered by Part A if you are only in the hospital for observation



If you're new to Medicare and would like more information on all the Medicare parts, download our guide!

2017 New to Medicare Guide from Trusted Senior Specialists

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