I just got Medicare Part A, and I’m worried about hospital stays. How do I know if my overnight stay will be covered fully?
Answered by 5 licensed agents
Under Medicare Part A, you must first ensure that you have a doctor's order admitting you as an inpatient. This indicates that you require hospital care. Once you are admitted, Medicare Part A will cover the cost of your stay, including services like medication and testing, but it does not cover everything. That is where Medicare Part B steps in to cover the additional expenses of surgery. Of course, there will be more expenses that Medicare Part B will not cover, leaving gaps. That is when a Medigap policy comes in to cover all the remaining expenses.
Answered by Larry Dalton on March 27, 2025
Broker Licensed in OK & TX
The 2025 Medicare Part A deductible is $ 1,676 for the first 60 days of in-patient hospitalization. After that, it gets nasty: $ 419 copay per day for days 61 - 90 then $ 838 per day (that's not a typo!) for in-patient hospital stays for days 91 - 150. Noting that the average hospital stay for seniors ages 65 - 74 is 5.3 days (5.6 days for ages 75 - 84), most people with nothing other than Medicare Part A will be OK with the $ 1,676 deductible. But ... this is all about "what if" and to be on the hook for a monster bill (after 60 days of hospitalization) could be a financially catastrophic event, not to mention the physical issues. Get some insurance! Most Medicare plans have something called a "maximum out-of-pocket," or MOOP to protect yourself against a big hospital bill.
The answer to your question about whether your Hospital stay will be covered in full will depend on if you currently have any additional coverage i.e- Employee Group Coverage or Veterans Administration Benefits. If someone only has Medicare Part A you will first have to pay a large deductible that varies each year. If you have Employee group coverage you will either pay the Part A deductible first OR be responsible for your Hospital deductible that you selected.
Answered by Danny Radisewitz on April 1, 2025
Broker Licensed in SD, IA, MN & ND
Your part A benefits are for hospitalization. Your medi-Gap policy should cover the majority of the patient coinsurance; or you Medicare Advantage policy will cover it per your explanation of benefits.
Please find a Medicare agent to assist with your needs analysis and policy description so you can rest easy without worry about the what -ifs.
Answered by Charise Karjala on March 31, 2025
Broker Licensed in CA, AZ, CO, PA & WA
Overnight stay in hospital can be classified into two statuses (Inpatient and outpatient admission). If your doctor ordered that you need to be admitted to the hospital as an inpatient for medical care overnight, Medicare Part A will cover the cost of your hospital stay, including drugs, accomodation and meals for the first 60 days after you meet your Part A deductible which is $1,676.00 in 2025, for each benefit period. You will also pay coinsurance for days 61-90 of each benefit period.
If your doctor ordered that you be admitted as an outpatient for observation only, overnight, Medicare Part B will cover the costs, not Part A.
Answered by Comfort Olude on April 2, 2025
Broker Licensed in CA, FL, GA & 9 other states
Tags:
Coverage
Medicare Part A
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