What Does Medicare Part A Cover?
Medicare Part A covers various services provided in an inpatient setting. This can range from drugs administered while in the hospital to end-of-life hospice care. Below, we review services Medicare Part A covers.
What is covered under Medicare Part A:
Special care units
Drugs, supplies, and equipment
Operating room and recovery room
Rehabilitation services during your stay
Some blood transfusions
Skilled nursing care on a part-time basis
Medicare Part A will not cover a private room, private nursing, or any personal care items. After the Medicare Part A deductible is met, Medicare pays the first 60 days of your benefit period in full.
For days 61-90, you must pay a hospital coinsurance of $389 per day. Then, Medicare will cover up to 60 extra lifetime reserve days.
For days 91 and beyond, the coinsurance is $778 per day. After 60 days over your lifetime benefit, ALL costs are your responsibility.
To start a new benefit period, you must stay out of the hospital for at least 60 consecutive days. Additionally, beginning another benefit period means paying the Part A deductible again.
What is the Medicare Part A Deductible?
The Medicare Part A deductible in 2022 is $1,556, according to CMS.gov. This is not a calendar year deductible. You are responsible for paying the deductible each time you are admitted to the hospital under a new benefit period.
What You Will Pay for a Hospital Stay
To receive help covering this deductible, many beneficiaries enroll in a Medicare Supplement plan. The Medicare Part A deductible benefit period begins when you become an inpatient in the hospital.
Then, the benefit period continues until you’ve been out of the hospital for a minimum of 60 days. Any care in a skilled nursing facility after your hospital stay counts toward the benefit period.
Every time a new benefit period starts, you must meet the Part A deductible. Meaning, if you are out of the hospital for at least 60 days and then need to be re-admitted, you must meet the deductible again.
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