covers care in a
You pay this for each
- Days 1-60: $1,556 deductible.*
- Days 61-90: $389 coinsurance each day.
- Days 91 and beyond: $778 coinsurance per each “lifetime reserve day” after day 90 for each benefit period (up to a maximum of 60 reserve days over your lifetime).
- Each day after the lifetime reserve days: All costs.
*You don’t have to pay a deductible for care you get in the long-term care hospital if you were already charged a deductible for care you got in a prior hospitalization within the same benefit period. This is because your benefit period starts on day one of your prior hospital stay, and that stay counts towards your deductible. For example, you won’t have to pay a deductible for your long-term care hospital care if:
- You’re transferred there directly from an acute care hospital.
- You’re admitted to a long-term care hospital within 60 days of being discharged from a hospital.
Long-term care hospitals specialize in treating patients with more than 1 serious medical condition who are hospitalized for 25 days or more. The patients may improve with time and care, and eventually return home. Long-term care hospitals typically give services like respiratory therapy, head trauma treatment, and pain management.
During the COVID-19 pandemic, long-term acute-care hospitals can now accept any acute-care hospital patients.
After being discharged from the long-term care hospital, many people get one of these:
- Care in a skilled nursing facility
- Custodial care in a long-term care facility