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Medicare Part A (Hospital)

Medicare Part A includes benefits for hospital and skilled nursing along with blood and Hospice. An easy way to remember Part A coverage is to think about "room and board." In other words, Medicare Part A covers the hospital building and bed, but it does not cover the hands on supplies and services; those would fall under  Medicare Part B (Medical) 

Most people don't pay a monthly premium for Part A. 

 

For hospital stays in 2020, your costs for each benefits period are: 

Days 1-60: $1,408 deductible

Days 61-90: $352 coinsurance per day of each benefit period

Days 91-150: $704 coinsurance per each "lifetime reserve day" after day 90 for each benefit period (up to 60 days over your lifetime)

Days 151 and after: you pay all costs

Most people don't pay a monthly premium for Part A. 

 

For skilled nursing care in 2020, your costs for each benefits period are: 

Days 1-20: covered by Medicare

Days 21-100: up to $176 coinsurance per day of each benefit period

Days 101 and after: you pay all costs

Medicare covers only short-term skilled nursing care, with no payments after 100 days

Medicare does not cover custodial or intermediate care, the most common kinds of care.

Medicare Part A helps pay for skilled nursing care only if: You have Part A and have days left in your benefit period to use.

Medicare Part A helps pay for skilled nursing care only if: You have a qualifying hospital stay. Your doctor has decided that you need daily skilled care. It must be given by, or under the supervision of, skilled nursing or therapy staff.

Medicare Part A helps pay for skilled nursing care only if: You get these skilled services in a Skilled Nursing Facility that’s certified by Medicare.

Medicare Part A helps pay for skilled nursing care only if: You need these skilled services for a medical condition that’s either: A hospital-related medical condition treated during your qualifying 3-day inpatient hospital stay, even if it wasn't the reason you were admitted to the hospital. A condition that started while you were getting care in the SNF for a hospital-related medical condition (for example, if you develop an infection that requires IV antibiotics while you're getting SNF care).

Medicare pays benefits for home health care only if: The home health agency caring for you must be Medicare-certified. Your doctor must certify that you can't leave your home, you must be under the care of a doctor while receiving services under a plan of care established and regularly reviewed by a doctor.

Learn about Part B here.

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