Part A Inpatient Hospital deductible $1,676 but if I have Part C Advantage Plan, the hospital $350 copay per day 1-7 so how does this work?
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The Part A (IN-patient hospital) copay per day will vary among Advantage plan companies. However, the $1,676.00 has been determined by Medicare itself every new year. Since that figure is the maximum that you'll pay for that one specific hospital visit, the daily rate will be applied toward that amount. Thus, if you're in the hospital for the typical 3 days, $1,050.00 ($350.00 times 3) will be applied toward the $1,676.00. That means that you have yet to arrive at the annual deductible in that example. Since Medicare keeps track of your Inpatient hospital stays, there will be the leftover amount of $626.00 that will remain as your responsibility should you be officially admitted to a hospital within that same calendar year.
Advantage plans typically pay your Part A deductible and your Part B deductible. So on day one with your plan you would have a copay of $350. You would have that for the next 6 days and then it would end. Any Part B type services would have their own copays or coinsurance also. All your costs would be bundled and you would not receive separate Part A and Part B bills.
Because they are not related. The $1,676 deductible from Part A is covered by the Government Medicare system, and that price can be completely waived if you have both Part A and a Supplement plan. But Part C, is PRIVATIZED health insurance, and they in turn, choose the Co-Pay they require. It would vary depending on the plan and the State. So there are Part C plans that would cover more or less, depending on the plan.
Without a Part C Advantage plan, you are responsible for the $1676 Medicare deductible. With a Part C Advantage plan, your share is $350/day for days 1-7, not $1676/day for days 1-7. I am here to help, Bill Lawler
Original Medicare is a 20% out of pocket for all services.
A Medicare Advantage or Part C plan has an inpatient hospital deductible of $x per day for 1-6 days typically. That is your responsibility with your Medicare Advantage plan.
To summarize:
You would not pay both of these charges. If you have Part A only would you pay the $1676 deductible (or 20%) and with the Medicare Advantage Part C plan you would pay the $350 per days 1-5 deductible and after that, you would not have any additional inpatient hospital charges.
When you have a Medicare advantage plan, you only pay what your Medicare advantage cost is. Medicare gives the management of your plan over to the Medicare advantage plan. So you will only pay the co-pays on your Medicare advantage and no deductibles from Medicare
You would be responsible for the copay of the plan and maybe an admission copay as well, depending on how you arrived. We are available for a no-obligation Medicare 101 to help simplify this process for you.
When you add a Part C Advantage Plan and stay one night in the hospital, you pay a $350 copay instead of the $1,676 deductible. Medicare Part A hospital deductible for 2026 increased to $,1736 per benefit period. A benefit period begins on the day you are admitted to a hospital or skilled nursing facility and ends when you have been out for 60 consecutive days. When you add the advantage plan, it becomes primary and you are no longer responsible for the Medicare Part A deductible. You will pay the $350 a night versus the $1,736 deductible. Now, if you stay 10 days in hospital, you are responsible for a $350 copay days 1-7, costing you $2,450. There are additional carriers that will offer hospital reimbursement plans to help cover advantage plan hospital stays. Talk with your broker about these options.
Part C is Medicare Advantage which takes the place of part A and B. You remain a Medicare beneficiary, however your care is being coordinated through the private insurance carrier. There are typically no deductibles with Medicare Advantage-just copays and possibly some coinsurance. You would not be subject to the Part A $1736 or Part B $283.
Your out-of-pocket will only be any days 1 thru 7 that you are an inpatient at a hospital. You will be responsible for however many days times $350. It is strongly suggested to purchase a separate Hospital Indemnity Plan to cover those days and daily rates in the event you are in the hospital as a patient. After day 7, your plan will cover the costs. But also realize that the average stay in a hospital is about 5 days. Get the HIP - they're low cost and you'll be glad to get reimbursed when you have hospital stays.
Part C supersedes Original Medicare so you would only pay the daily co pay. While a full seven days would cost more ($2450)than the $1676, the trade off is when you’re only in for 1-5 days it’s considerably less.
If you have Part C Advantage Plan and have an inpatient hospital stay, you are responsible for the first 7 day at a rate of $350 per day in the example that you gave. Days 8-90 are normally at $0 after that. Each plan has its own rate and set number of days that you are responsible for.
Advantage Plains don’t require you to pay the Medicare deductibles. When you’re on a supplement plan, you have certain deductibles you must meet before you can utilize those services.. Advantage plans typically do not have any deductibles just co-pays that goes towards your max out-of-pocket. If you’d like to discuss any of this further, I’m happy to set up some time and I can help you out with any additional questions.
Whatever your Advantage Plan lists for you copay is all you would be responsible for. Your Advantage Plan takes the place of Original Medicare so, that means your are no longer subject to those deductibles and percentages, only what is listed in your Summary of Benefits for the Advantage Plan, that is all you pay.
So depending on the plan you have a Medicare advantage plan may not have a part A or part B deductible. If it does have a deductible you would pay the deductible then the co pay of 350 for days 1 through 7. If you go past 7 it should be paid for by the plan after that amount of days. If you have questions I’m on the Medicare Hub Ron Kaemmerer give me a call. Have a good day
When you're on a Part C, it does not follow the Medicare Part A deductible at all. You signed a contract with that Medicare Advantage plan to pay the co-pays outlined in the Summary of Benefits and Evidence of Coverage for your plan. In this example, you would pay a maximum of $2,450 for your hospital stay if you stayed for 7 days. Take the $350/day and multiply that by the number of days. The average hospital stay length is two days, in which case you'd only pay $700. If you had a two day stay on original government Medicare, you'd pay the $1,676 for that two day stay. So you make out better with your plan for a shorter stay.
That's a great question! When you sign up for a Medicare Advantage plan, you have a private insurer that is administering your Medicare benefits. With that being said, the part A deductible doesn't go away but your plan has chosen to administer that by charging a $350 copay per day for the first 7 days you are an inpatient. The easiest way to understand it is to simply disregard the part A deductible (as we have an advantage plan administering our Medicare benefits) and focus on the per day hospital copay.
For example... let's say we have a two day hospital stay. With your current Advantage plan you would get a bill for $700 (350 * 2). If you were just on original Medicare we would be working towards satisfying the $1,676 deductible once we checked in. If the two day hospital stay was $1500... that is what we would owe as we are working toward the deductible.
Once you join a Medicare Advantage plan you no longer need to worry about any of the Part A or part B deductibles anymore.
You're in a much better place now though because the Medicare Advantage co-pays include all the doctor charges whereas Original Medicare Part A does not.
For example a 3 day hospital stay under Original Medicare would be:
$1,676 deductible plus 20% co-insurance for physician services. So if the procedure was $50,000 you would pay $10,000 (20 percent) for the procedure plus $1676 for Part A deductible facility charges.
With Medicare Advantage there are $0 co-pay for physician services while you are an Inpatient at the hospital so you just pay the $350 co-pay per day for the facility.
In my example you would only pay $1,050 instead of $10,000 under Original Medicare.
Hope this clears things up and shows you the value of your Medicare Advantage plan.
If you are a member of an Advantage plan you do not pay the Pt A deductible. You are only responsible for the hospital copay listed in your plans summary of benefits. So you would pay the $350 per day for days 1-7 as you listed in your question.
The Medicare benefits included in your selected Medicare Advantage (Part C) replaces the Medicare Part A benefits. Thus, you would not be charged the $1676 deductible, and your cost sharing would be covered at $350 copay per day 1-7.
Generally with Medicare Advantage coverage it's a set copay per day with no deductible for Medicare approved Inpatient Hospital care. Please see your Evidence Of Coverage for specifics or contact your Broker.
Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
The copay in a Medicare Advantage plan eliminates the Part A deductible. These plans are subsidized by the Federal Government and CMS (Centers for Medicare & Medicaid) and are designed to lower out of pocket costs in comparison to Original Medicare Part A & B.
With a Medicare Advantage (Part C) plan, you generally don't pay the Medicare Part A deductible ($1,676). Instead, you'll be responsible for the copay outlined in your specific Part C plan. For example, if your plan has a $350 copay per day for the first 7 days of an inpatient hospital stay, that's what you'll pay. Your Advantage plan replaces Original Medicare's Part A benefits, so you'll follow your plan's cost-sharing rules, not those of Original Medicare.
Medicare Advantage plans (part C) are the primary payor. You still have parts A & B. So in this case, you wouldn't be responsible for the $1,676 part A deductible, you would follow the Part C structure of $350/day for 7 days.
Yes, there is a one-time per occurrence Part A Deductible. So, whether you're admitted for 1 day or up to 60 days, your total out-of-pocket would be $1,570 here in 2025 and $1,600 for 2026. Medicare Part A pays for all services, including meals. It could be quite unfortunate if you're hospitalized for more than 60 days, as the daily copays become quite exurbanite, which is why you'd want a Medicare plan in place to further protect from maximum out-of-pocket exposure. $419/day for days 61-90. You also have 60 lifetime day,s which may be used for additional days, but once these are exhausted, you'd be responsible for the full costs.
If you have a Medicare Supplement (Plan G), it pays the deductible. However, you're already paying the monthly premiums for the Med Supp. It also continues to pay all your cost-sharing if you're hospitalized beyond 60 days.
With a Medicare Advantage Plan (Medicare Part C), yes, the plan typically provides for daily copays for hospital stays, typically 4-7 days, and then full coverage beyond. So, yes, technically, if you're hospitalized for more than the typical 4 days, it could result in a higher cost share than only the Part A deductible. But for shorter stays, the plan with daily copays would provide appreciable savings.
Your Part C plan with a private insurance company replaces your Government Part A and B Benefits - and also includes a Part D Rx plan. Accordingly, your Medicare Benefits are now defined by the Part C plan and must be equal to or superior to the Original Medicare Part A and B benetits - therefor you would be subject to the $350/day for days 1-7 for each hospital admission.
Medicare Part C your out-of-pocket costs for inpatient hospital care are different from Original Medicare Part A. Part A has a deductible of $1,676 for each benefit period. Advantage Plans usually have a copay of $300-350 per day for the first 5-7 days, and then a different cost for additional days, which could be zero The exact cost-sharing for MA plans vary by plan. Make sure to check your plan's specific coverage and cost information.
The Part A deductible is due to the hospital on the first day of your inpatient visit. However, Medicare Advantage Plans (Part C) are designed to ease that burden on the member. Instead of one large deductible, these plans often charge a daily copayment based on the number of days you're hospitalized.
For example, if you're admitted for only 2 days, you might pay around $700 total instead of the full $1,676 Part A deductible.
That’s why it’s so important to compare plan benefits—not just the brand name. You may have had a great experience with XYZ Insurance while working, but once enrolled in their Medicare Advantage plan, the copayments and hospital costs could be much less favorable.
Shop by coverage, benefits, and star ratings—not by brand loyalty.
When you select a Part C, or Medicare Advantage plan, you pay the plans deductible and copay. That is almost always much better than paying the Part A deductible plus 20% of the allowable charges.
With Part C plans the daily copay can vary for hospitalization. For your particular scenario though, if you are hospitalized then you will have a daily co-pay of $350 for the first 7 days. Once you are passed 7 days then you will be covered at $0 from days 8-90. For instance if you are hospitalized for 3 days then you would have a co-pay of $1,050. On the flip side of that, if you are on Original Medicare then you will owe the $1,676 deductible upon being admitted to the hospital no matter the amount of days you are there. For the same same scenario of being admitted for 3 days that we used prior you would owe the full Part A deductible of $1,676.
If you use your part seat, advantage plan with an NETWORK hospital you will not pay the hospital part a deductible. $350 per day rate days one through seven is rather high, depending on your area we can do reviews for people at no cost of obligation.
When you are enrolled in a Medicare Advantage plan, that plan is your primary (only) insurance. While Medicare requires Advantage plans to meet certain minimum standards, you are no llonger operating under traditional Medicare part A & B rules. Medicare deductibles, copays, etc do not apply to you as long as you are enrolled in an Advantage plan.
If you are in the hospital for 3 days you would be responsible for $350 per day or $1050 total which will be applied to the $1676 deductible. You will continue to pay the $350 until the $1676 is met.
Hi. You would owe your copay for the amount of days you were hospitalized up to 7 days. Any days over 7 would be $0 copay. Your part C plan negates the part A deductible.
The Part A inpatient deductible effectively goes away when you have Part C. The Part C Medicare Advantage Prescription Drug (MAPD) plan is an umbrella under which the MAPD carrier is responsible for providing Parts A , B, and D. In this case, you are assigned over to the MAPD carrier and they are responsible for providing A, B and D. They are providing terms of your hospital stay per day as opposed to a deductible.
The Part A Deductible for 2026 is now $1736. If you only had Original Medicare with no Secondary, you would be exposed to the $1736, but most people will have a Secondart Insurance which would cover this. For those with Medicare Advantage Plans, your out of pocket for Part A would be $350/day up to 7 days, could be looking at a $2450 bill
With a Medicare Advantage (Part C) plan, you generally don't pay the Part A deductible ($1,676). Instead, you'll pay the copay amount specified by your plan for hospital stays. In this case, your plan has a $350 copay per day for the first 7 days of a hospital stay. This means you'll pay $350 each day for the first 7 days, and then your plan will cover further costs according to its specific rules.
Here's a breakdown:
Original Medicare (Part A):
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You'd first pay the $1,676 deductible, and then Medicare pays for the first 60 days of a hospital stay. For days 61-90, you'd have a coinsurance, and for days beyond that, you'd pay even more or use lifetime reserve days.
Medicare Advantage (Part C):
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Your plan will likely have its own cost-sharing structure. In your case, you'd pay the $350 copay per day for the first 7 days of a hospital stay.
No Part A deductible:
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When you have a Medicare Advantage plan, you typically don't pay the Part A deductible.
Plan-specific costs:
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It's crucial to check your specific plan details for how it covers hospital stays beyond the first 7 days, as costs can vary significantly between plans.
Medicare Advantage plans set their own cost-sharing terms and may or may not charge deductibles for hospital stays. After meeting the deductible, your Medicare Advantage plan may have a copay for the initial days of your stay.
If you choose in a Medicare advantage plan, you are no longer in original Medicare and that original Medicare deductible does not apply at all
If you have a Medicare supplement plan instead of a Medicare advantage plan, the Medicare supplement plan will pay all hospital deductibles and costs that are approved by Medicare including the deductibles
It works exactly as you are stating. Your Advantage plan has a $350 co-pay for each day you are hospitalized, up to 7 days. If you are in-patient longer than 7 days, there is no charge. When you have an Advantage plan, the hospital deductible is not in effect, only your daily co-pay.
Your Medicare Advantage (Part C) plan replaces Original Medicare, so the deductible is not what you see listed for Original Medicare Part A. Instead, you will be responsible for the $350 copay per day for the first 7 days of a hospital stay, and then your plan will cover costs according to your specific Part C plan's rules for subsequent days. You must pay the $350 copay for each benefit period, and your out-of-pocket costs will depend on your plan's maximum out-of-pocket limit
You would pay the $1676 first each year, because it’s your deductible, then for days 1-7 of your hospital stay as long as they were consecutive. If you leave the hospital and come back, the hospital stays start over, and the deductible starts over every year.
It depends on what plan you are choosing. Every state has different coverages. The 350 co-pays is just for the plan you are looking at. There may be better options for you. :-)
Part A Inpatient Hospital deductible $1,676 but if I have Part C Advantage Plan, the hospital $350 copay per day 1-7 so how does this work? When you are under Part C (Medicare Advantage) your cost that you are responsible are in accordance the MA plan not original Medicare like Part A deductible, but copays as defined by the MA plan for services.
This year for 2026 it is actually $1736 for the 60 day deductible that can be paid up to 5 times per calendar year. Each carrier in Part C breaks their plans down differently. When you are on Part C, all costs that Original Medicare (A and B) charges gets move to the private insurance companies (Part C) and they determine how much those costs are.
When you join a Medicare Advantage (Part C) plan, the plan's hospital copay rules take the place of the Original Medicare Part A deductible for covered inpatient stays. That means you wouldn't usually pay both the Part A deductible and the $350 per day --- you'd follow the Advantage plan's inpatient cost sharing instead.
In your example, the plan is charging $350 per day for days 1-7 in the hospital, and then usually $0 after that but the exact amounts and day ranges are set by each plan. It's important to look at that specific Advantage plan's Summary of Benefits or Evidence of Coverage to see exactly what you'd pay for each inpatient stay in a benefit period.
If your Medicare Advantage plan has a deductible, you would pay that amount before your plan pays, and then you would pay the per day copay once the deductible has been reached. However, many Medicare Advantage plans do not have a deductible, or have a much smaller deductible than the standard Medicare Part A Deductible. Check your plan’s Summary of Benefits or Evidence of Coverage documents to see if your plan has a deductible. The standard Medicare Part A deductible only applies to Original Medicare, which also charges a 20% coinsurance on hospital services, but those charges do not apply if you have a Medicare Advantage plan, because your plan pays instead of Medicare, so it is important to check the documents you received with your plan, or call the carrier who provides your coverage to get more information on your copays, coinsurance, and deductible amounts.
This can be confusing for many. In 2026, Original Medicare (Part A) has a $1736 inpatient hospital deduction per benefit period, which is paid once per hospital stay, not per day. Medicare Advantage plans replace how Medicare pays and instead use the daily hospital copays set by the carriers for the first few days of the stay. You would need to review the amount of the copay in your Summary of Benefits and Evidence of Coverage. Just understand that you will not pay both, it is either the Original Medicare amount or the Carrier copay amount for the hospital stay. To better understand specific questions and amounts it is recommended to speak with an agent to assist you to look at your options depending on health needs, budget, and how often hospital care is expected.
Most Advantage plans waive the Part A deductible. Hospital co-pay cost is per day for the first 7 days you are admitted and $0 per day from day 8 and beyond. This cost does apply to your plans Maximum out of pocket costs.
So when you originally have Part A, you would have to reach your deductible of $1676 before Medicare would pay anything. But because you have a Part C plan, you pay forthe agreed terms of your Part C primary. PART C MANAGES THE COSTS NOT MEDICARE PART A AND OR B. In this case, it sounds like your plan requires you to pay $350 a day for up to the first 7 days. Any deductibles would be specified in your plan C. These Part C plans would make your plans co-pay be up to the first 7 days at $350... one other thing, often these plans have a maximum out of pocket as well to limit how much in a plan year you owe before they cover ...
If you only had Original Medicare, the Inpatient Hospital Deductible is $1,676, but having a "C" Plan or Medicare Advantage Plan, takes the place of the Original Medicare requirements. In order to be on any plan, you must be entitled to Part A and paying Part B. Then the private insurance companies offer coverage through a "C" Plan or Medicare Advantage Plan or Medicare Supplement Plan. The "C" Plan must cover at least what Medicare covers and can add additional benefits such as dental, vision, hearing and over-the-counter products.
The (Medicare Advantage) plan's hospital copay replaces the Original Medicare Part A deductible and coinsurance. If you sign up for a plan that requires a $350.00 co-pay per day for hospitalization, you will be required to pay that amount for the first 7 days of your hospital stay. The $350.00 co-pay will then be deducted from your plan's MOOP (maximum out-of-pocket).
If the Advantage plan has Zero deductible instead and a $350.00 per day copay for in-patient hospital admissions, the member pays $350.00 times the amount of days spent as an admitted patient until the max days are covered, which in this case is 7.
If the stay is more than 7 days all the member pays is for the 7 days. This is different for observation or emergency room stays.
With a Medicare Advantage (Part C) plan, you do not pay the standard Original Medicare Part A inpatient hospital deductible. Instead, you pay based on the Advantage plan's structure. Rather than the full deductible, which is currently $1736, you would pay the $350 (per your example) times the number of days, up to 7. If your stay is 4 or less days, the Advantage plan would be less expensive in this example.
When you enroll in a Medicare Advantage (Part C) plan, your Medicare Part A and Part B costs no longer apply the same way as they do under Original Medicare.
Instead, your Advantage plan creates its own cost-sharing structure, which replaces the Part A deductible.
Here’s what that means for your situation:
Under Original Medicare, you would pay:
• A $1,676 deductible for each benefit period when admitted as an inpatient.
Under your Medicare Advantage Plan, you pay the plan’s inpatient copays instead:
• $350 per day for days 1–7
• $0 after day 7 (depending on your plan)
This means your maximum cost for a hospital stay could be $2,450 (350 × 7), instead of the $1,676 Part A deductible.
Key Point:
✔️ You do NOT pay both.
✔️ Your Advantage plan’s hospital copays replace the Medicare Part A deductible entirely.
Some Advantage plans have lower copays, some higher, but they all replace the Part A deductible with their own cost structure.
If you are in a Medicare Advantage plan, then the original Medicare Part A and B do not apply to you. Each Medicare Advantage carrier has their own benefits and coverages for their specific Medicare Advantage plan. In your case, the $350/day for days 1-7, would equal $2,450. If your Medicare Advantage plan has a Maximum out of pocket of say...$1,500 then you will not be responsible for the $2,450 because your MOOP protects you from spending any more for your care. Once you spend $1,500, you're done and the insurance will pay the rest.
To summarize: You would not pay both of these charges. If you have Part A only would you pay the $1676 deductible (or 20%) and with the Medicare Advantage Part C plan you would pay the $350 per days 1-5 deductible and after that, you would not have any additional inpatient hospital charges
Many of the details of how Parts A and B operate by themselves become irrelevant once you enroll into an actual Medicare plan through a carrier.
In this example, it is exactly that, you would owe a copay of $350 for each day you were admitted into the hospital as an inpatient, up to a maximum of 7 days. So if you were hospitalized for 12 days, your inpatient hospitalization bill would be $2,450 ($350 x 7 day cap).
What is less known is that if you leave the hospital and return within 60 days, this benefit does not restart because you are in the same "benefit period". So if you were in the hospital for 12 days, discharged for 45 days and then hospitalized for another 12 days, the inpatient hospitalization bill would still be $2,450 ($350 x 7 day cap).
Inpatient hospitalization on a Medicare Advantage plan is one of the larger bills you can receive. This is why I will often quote clients a type of ancillary policy called a Hospital Indemnity plan along with Medicare Advantage plan options which can reimburse inpatient hospitalization copays to fill this gap in coverage.
On a Part C plan Hospital copay $350/day for days 1–7 replaces the $1,676 Part A deductible. MAPD members don’t “worry” about the $1,676 Part A deductible, their hospital costs follow the plan’s copays instead.
If you have Original Medicare (Part A and Part B), you’d normally pay the Part A inpatient hospital deductible, which in 2025 is $1,676 for each benefit period. After that deductible is paid, Medicare covers most of the cost for your hospital stay.
However, if you have a Medicare Advantage (Part C) plan, that plan replaces Original Medicare coverage. You do not pay the Part A deductible — instead, you follow your plan’s own cost-sharing rules.
For example:
If your Medicare Advantage plan says $350 copay per day for days 1–7, that means each day you’re in the hospital (up to 7 days), you pay $350 per day. After that, the plan usually covers 100% for the rest of your stay (days 8–90), depending on the plan’s terms.
So in short:
You don’t pay both the Part A deductible and the $350 per day.
The Part C plan’s copay schedule replaces Medicare’s deductible and coinsurance.
Always check your Evidence of Coverage (EOC) for your plan’s exact inpatient hospital costs.
Your hospital stay can cost you as much at $2450 on that Advantage plan, but if you are only in the hospital for a day or two, you are limited to only $350 to $700... It is a bit of a gamble which is why we recommend Hospital indemnity to cover some if not all of the cost of being hospitalized. It is important to know how the carrier covers your hospitalization as well... Are you there under observation or actually inpatient? This can be very confusing when you receive the bill which is why it is good to work with an agent that can help should you need it.
If you have a Medicare Advantage (Part C) plan, you don’t use the Part A deductible anymore. Instead, you follow your plan’s hospital costs—so you’d pay the $350 per day for days 1–7, and the plan covers the rest based on its rules.
Medicare Advantage plans replace Original Medicare.
You don’t pay the Part A deductible, instead your Medicare Advantage plan has its own rules. In your case, a $350 copay for each day you’re in the hospital for days 1–7. After that, the plan usually covers the rest of the stay according to its rules.
