Monday, September 22, 2014
FAIRFIELD-SUISUN, CALIFORNIA
99 CENTS

What Medicare covers in the hospital

By
From page OSF5 | July 10, 2014 |

One of Medicare’s most important benefits is helping to cover your expenses if you need to be hospitalized. But what exactly is covered, and how much do you pay?

Medicare helps cover certain services and supplies in hospitals. To get the full range of benefits, you must have both Medicare Part A, which is hospital insurance, and Part B, which is medical insurance.

What you pay depends on whether you’re an inpatient or an outpatient. Staying overnight in a hospital doesn’t always mean you’re an inpatient. You’re an inpatient on the day the doctor formally admits you, with a doctor’s order.

You’re an outpatient if you haven’t been formally admitted as an inpatient, even if you’re getting emergency department services, observation services, outpatient surgery, lab tests or X-rays.

If you aren’t sure whether you’re an inpatient or an outpatient, you or your family should ask your doctor or the hospital staff. Or you can call Medicare at 800-MEDICARE (800-633-4227).

If you’re admitted as an inpatient, Part A will help cover your stay. This generally includes a semiprivate room, meals, general nursing care, drugs, and other hospital services and supplies.

Part A covers your care in acute care hospitals, critical access hospitals, inpatient rehabilitation facilities, long-term care hospitals and psychiatric facilities.

How much you’ll pay depends partly on how long you stay.

Medicare pays for inpatient hospital care based on “benefit periods.” A benefit period begins the day you’re admitted to a hospital – and ends when you haven’t had any inpatient hospital care for 60 days in a row.

You can have more than one hospital stay within the same benefit period. There’s a limit on how many patient days Medicare will cover during a benefit period, but there’s no limit on the number of benefit periods you can have over your lifetime.

How much comes out of your pocket when you’re in the hospital?

Part A has a deductible, which is $1,216 in 2014. You pay this deductible at the beginning of each new benefit period.

After you’ve paid that, there’s no co-payment for days 1 through 60 of each benefit period. For days 61 through 90 of each benefit period, there’s a co-pay of $304 per day.

You also have 60 “lifetime reserve days.” These can be used after day 90 of each benefit period, and your co-pay is $608 per day in 2014. After you use up these “lifetime reserve days,” you must pay all costs yourself.

Keep in mind that Part A doesn’t cover doctor fees or other medical services. That’s where Part B comes in.

To get Part B, you must pay a monthly premium, which for most people is $104.90 per month this year.

You’ll also pay 20 percent of the Medicare-approved amount for most doctor services while you’re an inpatient. Part B also helps cover outpatient costs, such as doctors’ fees, emergency and observation services, lab tests and X-rays.

Finally, here are some things Medicare doesn’t cover in the hospital:

  • Private-duty nursing.
  • A telephone or television.
  • Personal items like toothpaste or razors.
  • A private room, unless it’s medically necessary.

To learn more about Medicare benefits, please refer to your 2014 Medicare & You handbook, go online to www.medicare.gov, or contact our 800-MEDICARE customer service professionals who can help you with specific concerns before a hospital stay.

David Sayen is Medicare’s regional administrator for Arizona, California, Nevada, Hawaii, and the Pacific Territories. You can always get answers to your Medicare questions by calling 800-MEDICARE (800-633-4227).

LEAVE A COMMENT

Discussion | No comments

The Daily Republic does not necessarily condone the comments here, nor does it review every post. Read our full policy

.

Solano News

Vaca Christian hits FM airwaves

By Susan Winlow | From Page: A1 | Gallery

 
Popeye’s seeks Fairfield site

By Barry Eberling | From Page: B8 | Gallery

 
North Bay Pediatrics celebrates anniversary

By Barry Eberling | From Page: B8

Sutter Solano has new leader

By Barry Eberling | From Page: B8

 
.

US / World

More drought forecast next year across West

By The Associated Press | From Page: A1

 
2016 may loom, but Jeb Bush is focused on business

By The Associated Press | From Page: A7

North Korea powerful temptation for some Americans

By The Associated Press | From Page: A10 | Gallery

 
.

Opinion

Thanks go out to Telstar Instruments

By Letter to the Editor | From Page: A8

 
.

Living

.

Entertainment

TVGrid Sept 22

By Daily Republic Syndicated Content | From Page: A10

 
TVGrid Sept 23

By Daily Republic Syndicated Content | From Page: A11

.

Sports

Donaldson’s walk-off HR powers A’s past Phillies

By The Associated Press | From Page: B1 | Gallery

 
Penalty nixes Raiders rally, Patriots win 16-9

By The Associated Press | From Page: B1 | Gallery

Giants swept by Padres; fall 4 ½ behind Dodgers

By The Associated Press | From Page: B1

 
Stanton leads Cardinals past 49ers 23-14

By The Associated Press | From Page: B1 | Gallery

Armijo boys run to 2nd-place finish in Irvine

By Daily Republic staff | From Page: B2

 
Hamilton wins in Singapore, takes F1 title lead

By The Associated Press | From Page: B2

Ex-Titans kicker Bironas killed in car crash

By The Associated Press | From Page: B2

 
Seahawks hold off Broncos 26-20 in overtime

By The Associated Press | From Page: B2 | Gallery

NFL roundup: Cowboys erase 21-point deficit, beat Rams 34-31

By The Associated Press | From Page: B2 | Gallery

 
Hur pulls away for LPGA Tour win in Alabama

By The Associated Press | From Page: B9 | Gallery

Logano wins at New Hampshire in 2nd Chase race

By The Associated Press | From Page: B10 | Gallery

 
.

Business

 
Native Americans getting final settlement payments

By The Associated Press | From Page: B8

5 ways to protect yourself from data breaches

By The Associated Press | From Page: B8

 
.

Obituaries

.

Comics

Dilbert Sept 22

By Daily Republic Syndicated Content | From Page: B4

 
B.C. Sept 22

By Daily Republic Syndicated Content | From Page: B4

Baldo Sept 22

By Daily Republic Syndicated Content | From Page: B4

 
Beetle Bailey Sept 22

By Daily Republic Syndicated Content | From Page: B4

Sally Forth Sept 22

By Daily Republic Syndicated Content | From Page: B4

 
Wizard of Id Sept 22

By Daily Republic Syndicated Content | From Page: B4

Frank and Ernest Sept 22

By Daily Republic Syndicated Content | From Page: B4

 
Blondie Sept 22

By Daily Republic Syndicated Content | From Page: B4

Rose is Rose Sept 22

By Daily Republic Syndicated Content | From Page: B4

 
Get Fuzzy Sept 22

By Daily Republic Syndicated Content | From Page: B4

Pickles Sept 22

By Daily Republic Syndicated Content | From Page: B4

 
Baby Blues Sept 22

By Daily Republic Syndicated Content | From Page: B4

Zits Sept 22

By Daily Republic Syndicated Content | From Page: B4

 
Word Sleuth Sept 22

By Daily Republic Syndicated Content | From Page: B5

Cryptoquote Sept 22

By Daily Republic Syndicated Content | From Page: B5

 
Sudoku Sept 22

By Daily Republic Syndicated Content | From Page: B5

Crossword Sept 22

By Daily Republic Syndicated Content | From Page: B5

 
Bridge Sept 22

By Daily Republic Syndicated Content | From Page: B5

Get Fuzzy Sept 23

By Daily Republic Syndicated Content | From Page: B6

 
B.C. Sept 23

By Daily Republic Syndicated Content | From Page: B6

Dilbert Sept 23

By Daily Republic Syndicated Content | From Page: B6

 
Wizard of Id Sept 23

By Daily Republic Syndicated Content | From Page: B6

Baby Blues Sept 23

By Daily Republic Syndicated Content | From Page: B6

 
Blondie Sept 23

By Daily Republic Syndicated Content | From Page: B6

Beetle Bailey Sept 23

By Daily Republic Syndicated Content | From Page: B6

 
Peanuts Sept 23

By Daily Republic Syndicated Content | From Page: B6

Zits Sept 23

By Daily Republic Syndicated Content | From Page: B6

 
Frank and Ernest Sept 23

By Daily Republic Syndicated Content | From Page: B6

Pickles Sept 23

By Daily Republic Syndicated Content | From Page: B6

 
For Better or Worse Sept 23

By Daily Republic Syndicated Content | From Page: B6

Rose is Rose Sept 23

By Daily Republic Syndicated Content | From Page: B6

 
Sally Forth Sept 23

By Daily Republic Syndicated Content | From Page: B6

Cryptoquote Sept 23

By Daily Republic Syndicated Content | From Page: B7

 
Sudoku Sept 23

By Daily Republic Syndicated Content | From Page: B7

Word Sleuth Sept 23

By Daily Republic Syndicated Content | From Page: B7

 
Crossword Sept 23

By Daily Republic Syndicated Content | From Page: B7

Bridge Sept 23

By Daily Republic Syndicated Content | From Page: B7