Inpatient hospital care Once you reach your deductible, Part A will cover days 1 to 60 you are in the hospital. For days 61 to 90, you'll pay for one coinsurance for each day. If you need to stay in the hospital longer than 90 days, you can use up to 60 days of a lifetime reservation. Part A only covers a maximum of 190 days of inpatient mental health care in a separate psychiatric hospital for your life.
The 190-day limit does not apply to care you receive in a separate, Medicare-certified psychiatric unit within an intensive care or critical access hospital. If you've exhausted your 90 days of hospital coverage but need to stay longer, Medicare covers up to 60 additional lifetime reserve days, for which you'll pay for daily coinsurance. Coinsurance is the part of the cost of care that you have to pay after paying for your health insurance. It is usually a percentage of the approved amount or the amount negotiated.
In Original Medicare, coinsurance is usually 20% of the Medicare allowance. These days aren't renewable, meaning you won't get them back when you're eligible for another benefit period. Medicare covers the first 60 days of hospitalization after a person has paid their deductible. The exact amount of coverage Medicare provides depends on how long a person stays in the hospital or other eligible health facility.
Long-term care hospitals often provide care for patients with more than one serious medical condition. Medicare Part A covers inpatient hospital care, skilled nursing (SNF) care (for certain short-term conditions, it doesn't cover long-term care), palliative care, and some home health care (it doesn't cover exclusive care with custody). However, the 190-day limit does not apply to care a person receives in a Medicare-certified psychiatric unit in an intensive care or intensive care hospital. Many people who go to a long-term care hospital are transferred there from intensive or intensive care units. Skilled nursing facilities are available for people who may need care for chronic conditions but don't require hospitalization.
This coverage may apply to stays in general intensive care hospitals, rehabilitation centers, psychiatric hospitals, long-term care facilities and skilled nursing facilities. For Medicare to cover a person's hospital stay and care, a doctor must order a hospital stay and confirm that the person needs hospital care to treat an injury or illness. There you'll find more information about how to prepare for Medicare, when and how you should enroll, what to do if you plan to work after age 65, options to supplement Medicare, and resources for more information and assistance. These plans can cover outstanding deductibles, coinsurance, and copayments, and they can also cover health care costs that Medicare doesn't cover at all, such as the care you receive while traveling abroad.
When a new benefit period begins, you'll also have a new Part A Part A, also known as hospital insurance, is the part of Medicare that covers most medically necessary hospital care for inpatients, care in skilled nursing facilities (SNF), home health care and palliative care. You don't have to pay a deductible for care you receive at the long-term care hospital if you were already charged a deductible for care you received in a previous hospital stay within the same benefit period. To be entitled to a new benefit period and additional days of inpatient coverage, you must stay out of the hospital or SNF for 60 consecutive days. Medicare covers this care if the agency believes that it is medically necessary for a person to receive hospital care for these services.
Keep in mind that Medicare doesn't usually pay for the full cost of your care and you're likely responsible for a portion of the shared costs (deductibles, coinsurance, copays) of services covered by Medicare.
