covers the cost of long-term care in a
You pay this for each
- Days 1-60: $1,484 deductible.*
- Days 61-90: $371 coinsurance each day.
- Days 91 and beyond: $742 coinsurance per each “lifetime reserve day” after day 90 for each benefit period (up to 60 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’re transferred to a long-term care hospital 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 that are hospitalized for more than 25 days. Patients may include people who've used ventilators for an extended period of time, or experience a severe wound or head injury.
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