Inpatient hospital care

 Medicare Part A (Hospital Insurance covers inpatient hospital care if you meet both of these conditions:

  • You’re admitted to the hospital as an inpatient after an official doctor’s order, which says you need inpatient hospital care to treat your illness or injury
  • The hospital accepts Medicare

Your costs in Original Medicare

Note

Your doctor or other health care provider may recommend you get services more often than Medicare covers. Or, they may recommend services that Medicare doesn’t cover. If this happens, you may have to pay some or all of the costs. Ask questions so you understand why your doctor is recommending certain services and if, or how much, Medicare will pay for them.

In each benefit period , you pay:

  • A $1,600 deductible ($1,632.00 in 2024).
  • Days 1–60: $0 after you meet your Part A deductible.
  • Days 61–90: A $400 coinsurance amount each day ($408 in 2024).
  • After day 90: An $800 coinsurance amount each day while using your 60 lifetime reserve days ($816 in 2024). 

After you use all of your lifetime reserve days, you pay all costs.

Hospitals are now required to include the standard charges for all of their items and services (including the standard charges negotiated by Medicare Advantage Plans) on a public website to help you make more informed decisions about your care.

What it is

Medicare-covered inpatient hospital services include:

  • Semi-private rooms
  • Meals
  • General nursing
  • Drugs (including methadone to treat an opioid use disorder)
  • Other hospital services and supplies as part of your inpatient treatment

Medicare doesn't cover:

  • Private-duty nursing
  • Private room (unless medically necessary)
  • Television or phone in your room (if there's a separate charge for these items)
  • Personal care items (like razors or slipper socks)

Things to know

Part A only pays for up to 190 days of inpatient psychiatric hospital care in a freestanding psychiatric hospital during your lifetime.

Inpatient hospital care includes care you get in:

  • Acute care hospitals
  • Critical access hospitals
  • Inpatient rehabilitation facilities
  • Inpatient psychiatric facilities
  • Long-term care hospitals

It also includes inpatient care you get as part of a qualifying clinical research study.

If you also have Part B, it generally covers 80% of the Medicare-approved amount for doctor’s services you get while you’re in a hospital.

Is my test, item, or service covered?