Your Medicare Coverage
Is my test, item, or service covered?
Religious non-medical health care institution (RNHCI) items & services
How often is it covered?
In religious nonmedical health care institutions (RNHCIs), religious beliefs prohibit conventional and unconventional medical care. So, if you qualify for hospital or skilled nursing facility care, Medicare will only cover the inpatient non-religious, non-medical items and services. Examples include room and board, or any items or services that don't require a doctor's order or prescription, like unmedicated wound dressings or use of a simple walker.
Medicare doesn't cover the religious portion of RNCHI care. However, Medicare Part A (Hospital Insurance) covers inpatient, non-religious, non-medical care when these conditions are met:
- The RNHCI is currently certified to participate in Medicare.
- The RNHCI Utilization Review Committee agrees that you would require hospital or skilled nursing facility care if you weren't in the RNHCI.
- You have a written election on file with Medicare stating that your need for RNHCI care is based on both your eligibility and religious beliefs. The election must also state that if you decide to accept standard medical care, you'll cancel the election and may have to wait 1–5 years to be eligible for a new election to get RNHCI services.
You're always able to get medically necessary Part A services.
People with Part A who qualify for hospital or skilled nursing facility care, but medical care isn't in agreement with their religious beliefs.
Your costs in Original Medicare
- $1,340 deductible for each benefit period.
- Days 1–60: $0 coinsurance for each benefit period.
- Days 61–90: $335 coinsurance per day of each benefit period.
- Days 91 and beyond: $670 coinsurance per each "lifetime reserve day" after day 90 for each benefit period (up to 60 days over your lifetime).
- Beyond lifetime reserve days: all costs.
You pay for private-duty nursing, a television, or a phone in your room. You pay for a private room unless it's medically necessary.