Saturday, February 28, 2015
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

.

US / World

Man shoots wife, himself at Northern Calif. retirement home

By The Associated Press | From Page: A3

 
 
Thieves crash car through electronics store in San Francisco

By The Associated Press | From Page: A4

 
Some California farmers to go without federal water

By The Associated Press | From Page: A4, 2 Comments | Gallery

US, Liberia start 1st formal test of ZMapp Ebola virus drug

By The Associated Press | From Page: A5

 
US appeals court: Marathon bombing trial can stay in Boston

By The Associated Press | From Page: A5

 
Congress OKs 1-week bill to keep Homeland Security open

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

US rescinds rule requiring judges to move to Guantanamo

By The Associated Press | From Page: A5

 
Woman knocked out by eggs

By The Associated Press | From Page: A9

Mexico official: Police capture top capo ‘La Tuta’ Gomez

By The Associated Press | From Page: A10 | Gallery

 
Well-educated ‘Jihadi John’ no surprise to experts

By The Associated Press | From Page: A10

Unmasking of ‘Jihadi John’ as a London lad shocks Britain

By The Associated Press | From Page: A10

 
.

Opinion

A remedy for veterans’ care

By Bill Frist And Jim Marshall | From Page: A8

 
Editorial Cartoon: Feb. 28, 2015

By Daily Republic Syndicated Content | From Page: A8

How GOP can resolve immigration mess

By Ramesh Ponnuru | From Page: A8, 10 Comments

 
Unlikely winners of Greece’s surrender on euro

By Mark Gilbert | From Page: A8

.

Living

Community Calendar: Feb. 28, 2015

By Susan Hiland | From Page: A2

 
Today in History: Feb. 28, 2015

By The Associated Press | From Page: A2

Horoscopes: Feb. 28, 2015

By Holiday Mathis | From Page: A7

 
Poem about heaven helps dog owners when beloved pet dies

By Kathy Mitchell and Marcy Sugar | From Page: A7, 1 Comment

Coca-Cola bottle as art? Atlanta’s High Museum takes a look

By The Associated Press | From Page: B8

 
.

Entertainment

 
TVGrid

By Daily Republic Syndicated Content | From Page: B9

.

Sports

 
Vaca advances three wrestlers into semis at Masters

By Daily Republic staff | From Page: B1

 
Spurs snap 4-game skid, beat short-handed Kings 107-96

By The Associated Press | From Page: B1

Thompson scores 25 points, Warriors rout Raptors 113-89

By The Associated Press | From Page: B1

 
Casey McGehee’s move to Giants a homecoming of sorts

By The Associated Press | From Page: B1

Browns agree to terms with quarterback Josh McCown

By The Associated Press | From Page: B2

 
Kyle Busch released from hospital following foot surgery

By The Associated Press | From Page: B2

 
Bulls expect Derrick Rose back this season from knee surgery

By The Associated Press | From Page: B2

Testimony: Several Hernandez texts are missing from phone

By The Associated Press | From Page: B2

 
Approaching ‘last call’ for NHL GMs to tweak rosters

By The Associated Press | From Page: B2

PGA Tour to move Match Play to Texas

By The Associated Press | From Page: B2

 
Notre Dame president credited for transforming school dies

By The Associated Press | From Page: B2

MLS Commissioner Garber: Hopeful season will start on time

By The Associated Press | From Page: B2

 
Travis Kvapil’s NASCAR car stolen from hotel before race

By The Associated Press | From Page: B2

McIlroy to miss cut at Honda Classic; Reed leads

By The Associated Press | From Page: B2

 
NHL fines Sharks’ Couture $5,000 for tripping from behind

By The Associated Press | From Page: B2

 
This date in sports history for Saturday, Feb. 28, 2015

By The Associated Press | From Page: B4

.

Business

Gas prices soar in California as supply shrinks

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

 
Tribes from around US gather to discuss legal marijuana

By The Associated Press | From Page: B5

Uber says database containing driver info was breached

By The Associated Press | From Page: B5

 
Signed contracts to buy US homes rise to 18-month high

By The Associated Press | From Page: B5

Fiat Chrysler recalls 467K SUVs for possible stalling

By The Associated Press | From Page: B5

 
Southwest nearly done inspecting planes that were grounded

By The Associated Press | From Page: B5

 
5 reasons US economy is stronger than Q4 GDP suggests

By The Associated Press | From Page: B5 | Gallery

.

Obituaries

Gabriel T. Traub

By Nancy Green | From Page: A4, 1 Comment

 
Maria Kraszewski

By Nancy Green | From Page: A4

.

Comics

B.C.

By Daily Republic Syndicated Content | From Page: A6

 
Peanuts

By Daily Republic Syndicated Content | From Page: A6

Rose is Rose

By Daily Republic Syndicated Content | From Page: A6

 
Zits

By Daily Republic Syndicated Content | From Page: A6

Pickles

By Daily Republic Syndicated Content | From Page: A6

 
Baldo

By Daily Republic Syndicated Content | From Page: A6

Sally Forth

By Daily Republic Syndicated Content | From Page: A6

 
Garfield

By Daily Republic Syndicated Content | From Page: A6

Blondie

By Daily Republic Syndicated Content | From Page: A6

 
For Better or Worse

By Daily Republic Syndicated Content | From Page: A6

Get Fuzzy

By Daily Republic Syndicated Content | From Page: A6

 
Beetle Bailey

By Daily Republic Syndicated Content | From Page: A6

Dilbert

By Daily Republic Syndicated Content | From Page: A6

 
Wizard of Id

By Daily Republic Syndicated Content | From Page: A6

Baby Blues

By Daily Republic Syndicated Content | From Page: A6

 
Frank and Ernest

By Daily Republic Syndicated Content | From Page: A6

Sudoku

By Daily Republic Syndicated Content | From Page: A7

 
Bridge

By Daily Republic Syndicated Content | From Page: A7

Crossword

By Daily Republic Syndicated Content | From Page: A7

 
Word Sleuth

By Daily Republic Syndicated Content | From Page: A7

Cryptoquote

By Daily Republic Syndicated Content | From Page: A7

 
.

Home Seller 2/28/2015

Right at Home: Decor made of bicycle parts

By The Associated Press | From Page: HSR2Comments are off for this post | Gallery

Real estate transactions for Feb. 28, 2015

By Daily Republic | From Page: HSR3

Average US rate on 30-year mortgage rises to 3.80 percent

By The Associated Press | From Page: HSR3