In this FAQ Friday Video, Robert Bache says when you go to the hospital, Medicare charges you Part A hospital deductible. This deductible was $1340 in 2018. In 2020, this deductible was $1408. Now in 2021, the Part A deductibe is $1484. You must pay this deductible before Medicare begins to cover your hospital bills.
In this MedicareBob video, Robert Bache says, “every time you go to the hospital,” Medicare charges you the Part A deductible. However, Medicare only charges a hospital deductible every new benefit period. When does a benefit period end? And when does a new benefit period begin?
Medicare Hospital Deductible Benefit Period
Your Medicare benefit period begins the day a hospital admits you as an inpatient. The benefit period ends after 60 consecutive days of not receiving inpatient care. If you go to the hospital after your benefit period has ended, a new benefit period begins. You must pay the inpatient hospital deductible for each new benefit period.
Hospital Admits Betty
Betty is a senior and has trouble breathing. The hospital admits her as an inpatient, and she tests positive for COVID-19, which has compromised her lung function. Instead of forcing air down damage lungs with a ventilator, the doctor removed Betty’s blood and oxygenated it using an ECMO machine. This lung bypass machine saved Betty’s life.
The hospital discharges Betty after six weeks of inpatient care. For the next 60 days, Betty stays home, and her Medicare hospital deductible benefit period ends. The next time a hospital admits Betty as an inpatient, she will need to pay the Part A deductible again.
What is Medicare Part A hospital deductible?
Every new benefit period a hospital admits you to a hospital, you must pay the hospital deductible $1484 in 2021 before Medicare pays anything. For example, George tests positive for COVID-19, and a hospital admits him as an inpatient. He pays the $14084 deductible. After a few days on a ventilator, the hospital discharges him, and George goes home.
The following days, George has trouble breathing and returns to the hospital. He becomes a hospital inpatient again. However, he does not pay another hospital deductible.
Medigap Plans pay your hospital deductibles
All Medigap plans such as Plan G pay your hospital deductibles. Moreover, Medigap Plans also pay your 20% coinsurance costs. With a Medigap Plan, you have no hospital deductible or coinsurance costs. Call Senior Healthcare Direct at 855-468-4717 to shop and save on your Medicare Supplement Plan. Compare Medigap Plans with our side-by-side comparison chart.