1. Ted RatliffPRO
    Owner, SeniorCare Financial Services Northeast Ohio,
    Under Medicare part A you will have a deductible for the first 60 days, a copay for next 60 days.  After that you enter your lifetime reserve during which your Medicare cover is extended to a maximum of an additional 60 days during your lifetime at an even higher daily copay.  Most people never use their lifetime reserve days but it does happen.  After your lifetime reserve days are used you are responsible for 100% of the costs.
    Answered on June 2, 2013
  2. Steve AdlmanPRO
    Owner, Alabama Medicare Plans, Birmingham, Alabama
    Inpatient hospital care is covered by Medicare Part A. Medicare only covers 90 consecutive days of hospitalization. After 90 days Medicare provides 60 lifetime reserve days and there is a co-pay of $644 per day for days 91-150 of hospitalization. Anytime you have been out of the hospital for 60 consecutive days and new benefit period of 90 days starts all over again. That is why it is highly unlikely you ever will use up your 60 lifetime reserve days. If you have a Medicare Supplement it will pay the $644 co-pay for days 91-150 and if you did use up your 60 lifetime reserve days your Medicare Supplement will provide you with an additional 365 lifetime reserve days.
    Answered on March 10, 2016
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