Medicare Part A pays for Medicare covered services that happen when you are admitted to the hospital as an In-Patient. Things like the room and board charges, prescriptions they may prescribe, the surgery, anesthesia, etc.
Part A also covers a limited amount of care in a skilled nursing facility, hospice, and some medically necessary home health care.
With nothing else, you have a deductible of $1408 (2020). This deductible resets every 60 days, called the Part A Benefit Period.
The longer you are in the hospital past 60 days, you now owe a per-day copay. It starts at $352 per day and goes up from there.
Inpatient Hospital
Most people pay no premium for Medicare Part A because they have paid Medicare Insurance taxes through their jobs of self-employment.
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.
$1484 Deductible (2021)
More About the Part A Deductible
The Medicare Part A deductible is different than deductibles you may be used to where if you meet it, it is met for the year. The Part A deductible resets every 60 days, called the Part A Benefit Period.
What this means is if you get admitted into the hospital, have whatever done, pay the deductible, get better and go home. Then 3 weeks later you go back, Medicare will still pay right away. Let’s say you get better and go home, now 3 months later you go back, even if it’s for the same thing, you’re on the hook for the Part A deductible again.
Per Day Co-Pay (2021)
Days 61-90=$371/day
Days 91-150=$742/day
(Lifetime Reserve Days)
More About Medicare Part A Per-Day Co-pay (2021)
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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