Medicare Part A pays for Medicare-covered hospital services when you are admitted to the hospital as an inpatient. This includes room and board charges, medications, labs and diagnostic imaging, surgery, anesthesia, nursing care, etc.
Part A has a deductible of $1,600 (2023). This deductible is not annual. It resets every 60 days, called the Part A Benefit Period.
There is coinsurance for hospital stays over 60 days. This starts at $400 per day (2023) and increases from there.
Part A also covers a limited amount of rehabilitation care in a skilled nursing facility, some medically-necessary home health care,
and hospice care.
Insurance can help with the costs Part A does not cover.
Inpatient Hospital
Most people pay no premium for Part A because they have already paid for it through payroll taxes.
More about Premium-Free Medicare Part A
People Age 65 or older, who are citizens or permanent residents of the United States, are eligible for Part A at no cost at age 65 if:
If you do not meet these requirements, you may be able to get Medicare Part A by paying a monthly premium. Your monthly Part A premium will depend on how many quarters you or your spouse paid Social Security taxes. Usually, you can only purchase Part A coverage during designated enrollment periods.
Before age 65, you are eligible for Medicare Part A at no cost if you meet a different set of criteria. For more information click here.
$1,600 Deductible (2023)
More About the Part A Deductible
The Medicare Part A deductible is unlike the annual deductible you are likely used to. An annual deductible resets each year. However, the Part A deductible resets every 60 days. This is called the “Part A Benefit Period.”
Example One: You are admitted to the hospital. Medicare Part A pays the cost, except you owe a $1,600 deductible. You go home. Three weeks later you are admitted again. Medicare will still pay, and you will not owe a deductible because you are still within the 60-day benefit period.
Example Two: You are admitted to the hospital. Medicare Part A pays the cost, except you owe a $1,600 deductible. You go home. Three months later you are admitted again. Medicare will pay but you will owe another $1,600 deductible because your initial 60-day benefit period has ended.
Per Day Co-Pay (2023)
Days 61-90=$400/day
Days 91-150=$800/day
(60 Lifetime Reserve Days)
More About Medicare Part A Per-Day Co-pay (2023)
The first 60 day as an inpatient in a hospital is paid by the Part A deductible. If you are in the hospital longer than 60 days, now you will be charged a per day copay.
Beyond lifetime reserve days : all costs.
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