Thursday, October 23, 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

Children run for the sake of running

By Susan Hiland | From Page: A1, 2 Comments | Gallery

 
Day of Remembrance focuses on domestic violence prevention

By Amy Maginnis-Honey | From Page: A3 | Gallery

 
 
60th Air Mobility Wing gets outstanding unit award

By Ian Thompson | From Page: A3

 
Real McCoy ferry to shut down Thursday

By Ian Thompson | From Page: A3

Nairobi, oldest giraffe at Six Flags, dies

By Amy Maginnis-Honey | From Page: A3 | Gallery

 
Audubon group to offer wetlands walk, bird workshop

By Susan Winlow | From Page: A4

 
 
Trailer rolls, knocks down pole, damages roadway

By Susan Winlow | From Page: A4

 
Pumpkin bob set at Fairfield city pool

By Ryan McCarthy | From Page: A5

 
Fairfield police log: Oct. 21, 2014

By Susan Hiland | From Page: A12

Suisun City police log: Oct. 21, 2014

By Susan Hiland | From Page: A12

 
.

US / World

Canada’s PM says shooting rampage was terrorism

By The Associated Press | From Page: A1, 1 Comment

 
California malpractice cap generates big spending

By The Associated Press | From Page: A5, 1 Comment

Huge gold nugget going up for sale in California

By The Associated Press | From Page: A5

 
Healdsburg bans tobacco sales to anyone under 21

By The Associated Press | From Page: A5, 1 Comment

Davis votes to return armored vehicle

By The Associated Press | From Page: A5, 2 Comments

 
Study looks at lane splitting in California

By The Associated Press | From Page: A5, 3 Comments

125 San Francisco inmates to get computer tablets

By The Associated Press | From Page: A5, 5 Comments

 
Social Security benefits get another tiny increase

By The Associated Press | From Page: A6, 2 Comments

US to track everyone coming from Ebola nations

By The Associated Press | From Page: A6

 
Teens’ travel renews concerns about terror appeal

By The Associated Press | From Page: A6

Blackwater guards found guilty in Iraq shootings

By The Associated Press | From Page: A6, 1 Comment

 
Methodist panel hears appeal over gay wedding

By The Associated Press | From Page: A6

AP-GfK Poll: Public wants tighter Ebola screening

By The Associated Press | From Page: A6

 
Key features of rigorous new US Ebola monitoring

By The Associated Press | From Page: A6

Goofy dinosaur blends Barney and Jar Jar Binks

By The Associated Press | From Page: A6

 
Mexico: Mayor linked to deadly attack on students

By The Associated Press | From Page: A10, 2 Comments

Nigeria truce is shaky, no news of abducted girls

By The Associated Press | From Page: A10

 
Iraqi Kurdish lawmakers OK fighters for Syria

By The Associated Press | From Page: A10

Analysis: Fowle was North Korea’s easiest US case

By The Associated Press | From Page: A10

 
UK man faked coma for 2 years to avoid court

By The Associated Press | From Page: A10

Missile, fire from Egypt wounds 2 Israeli troops

By The Associated Press | From Page: A10

 
Prisons agree to end race policy

By The Associated Press | From Page: A12, 2 Comments

.

Opinion

Don’t make this mistake after voting

By Kelvin Wade | From Page: A11, 2 Comments

 
Editorial Cartoons: Oct. 23, 2014

By Daily Republic Syndicated Content | From Page: A11

Living a Democrat PC nightmare

By Letter to the Editor | From Page: A11, 22 Comments

 
Real reason to vote yes on 46

By Letter to the Editor | From Page: A11, 3 Comments

Keck did good job researching issue

By Letter to the Editor | From Page: A11

 
.

Living

Today in History: Oct. 23, 2014

By The Associated Press | From Page: A2

 
Community Calendar: Oct. 23, 2014

By Susan Hiland | From Page: A2

 
Horoscopes: Oct. 23, 2014

By Holiday Mathis | From Page: A9

My husband visits dating sites, stays out until 3 or 4 a.m.

By Kathy Mitchell and Marcy Sugar | From Page: A9

 
.

Entertainment

TVGrid

By Daily Republic Syndicated Content | From Page: B6

 
NBC promoting Weir, Lipinski to top skating team

By The Associated Press | From Page: A7

Annie Lennox embraces jazzy ‘Nostalgia’

By The Associated Press | From Page: A7

 
Renee Zellweger: ‘People don’t know me in my 40s’

By The Associated Press | From Page: A7

Sax player behind ‘Baker Street’ solo dies at 60

By The Associated Press | From Page: A7, 1 Comment

 
‘SNL’ adds black woman to cast from writers room

By The Associated Press | From Page: A7, 1 Comment

.

Sports

Carr confident despite Raiders’ winless start

By The Associated Press | From Page: B1 | Gallery

 
AP source: Goodell told to testify in Rice appeal

By The Associated Press | From Page: B1 | Gallery

Kings measuring success on ‘wins and losses’

By The Associated Press | From Page: B1

 
Giants’ bullpen melts down in 7-2 loss to Royals

By The Associated Press | From Page: B1

Warriors hoping Kerr is final piece for title run

By The Associated Press | From Page: B1 | Gallery

 
Local Report: Armijo XC teams finish MEL 10-0

By Daily Republic staff | From Page: B1

World Series rating for opener drops to low

By The Associated Press | From Page: B2

 
Beaten Giants fan shows significant progress

By The Associated Press | From Page: B2

Polian, Wolf nominated for Pro Football Hall of Fame

By The Associated Press | From Page: B2

 
Slumping Bears hope to slow No. 6 Oregon, Mariota

By The Associated Press | From Page: B2

Stanford picked to win Pac-12 regular-season crown

By The Associated Press | From Page: B2

 
NBA owners fail to pass lottery reform

By The Associated Press | From Page: B2

Leafs-Senators game postponed after shootings

By The Associated Press | From Page: B2

 
Phony World Series tickets, merchandise seized

By The Associated Press | From Page: B2

Request denied to remove judge on Peterson case

By The Associated Press | From Page: B2

 
Probe: UNC academic fraud was ‘shadow curriculum’

By The Associated Press | From Page: B2

Brad Keselowski not concerned with popularity

By The Associated Press | From Page: B3 | Gallery

 
SHR swaps crews for Danica Patrick and Kurt Busch

By The Associated Press | From Page: B3 | Gallery

From Mexico to the World Series, Petit Giants’ shines

By The Associated Press | From Page: B4 | Gallery

 
’85 World Series Royals relishing playoff run

By The Associated Press | From Page: B4 | Gallery

 
This date in sports history for Thursday, Oct. 23, 2014

By The Associated Press | From Page: B5

.

Business

FedEx, UPS make plans for a better holiday season

By The Associated Press | From Page: B6

 
The top 20 US cities for tech startup funding

By The Associated Press | From Page: B6

‘Silicon Beach’ brings tech boom to Los Angeles

By The Associated Press | From Page: B6

 
Google unveils app for managing Gmail inboxes

By The Associated Press | From Page: B7

Government ups air bag warning to 7.8M vehicles

By The Associated Press | From Page: B7

 
Camel maker Reynolds snuffs out workplace smoking

By The Associated Press | From Page: B7

BofA to refund Apple Pay customers charged twice

By The Associated Press | From Page: B7

 
.

Obituaries

Mark Dean Lindsay

By Nancy Green | From Page: A4

 
Keith Bowen

By Nancy Green | From Page: A4, 1 Comment

Blanche Stevens

By Nancy Green | From Page: A4

 
Dr. Robert M. Takamoto

By Nancy Green | From Page: A4

.

Comics

Baby Blues

By Daily Republic Syndicated Content | From Page: A8

 
Garfield

By Daily Republic Syndicated Content | From Page: A8

For Better or Worse

By Daily Republic Syndicated Content | From Page: A8

 
Blondie

By Daily Republic Syndicated Content | From Page: A8

Pickles

By Daily Republic Syndicated Content | From Page: A8

 
Get Fuzzy

By Daily Republic Syndicated Content | From Page: A8

Wizard of Id

By Daily Republic Syndicated Content | From Page: A8

 
B.C.

By Daily Republic Syndicated Content | From Page: A8

Sally Forth

By Daily Republic Syndicated Content | From Page: A8

 
Zits

By Daily Republic Syndicated Content | From Page: A8

Baldo

By Daily Republic Syndicated Content | From Page: A8

 
Beetle Bailey

By Daily Republic Syndicated Content | From Page: A8

Dilbert

By Daily Republic Syndicated Content | From Page: A8

 
Peanuts

By Daily Republic Syndicated Content | From Page: A8

Frank and Ernest

By Daily Republic Syndicated Content | From Page: A8

 
Rose is Rose

By Daily Republic Syndicated Content | From Page: A8

Crossword

By Daily Republic Syndicated Content | From Page: A9

 
Sudoku

By Daily Republic Syndicated Content | From Page: A9

Word Sleuth

By Daily Republic Syndicated Content | From Page: A9

 
Cryptoquote

By Daily Republic Syndicated Content | From Page: A9

Bridge

By Daily Republic Syndicated Content | From Page: A9