Q:

What are the deductibles for Medicare Part A?

A:

Quick Answer

The deductible for Medicare Part A, which is hospital insurance, is $1,260 per benefit period. A benefit period begins on the day an individual enters a hospital or skilled nursing facility, and it ends when he has not received care in one of those facilities for 60 days.

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What are the deductibles for Medicare Part A?
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Full Answer

In addition to the deductible, the patient is also responsible for coinsurance in some cases. For the first 60 days of a benefit period during which a patient is hospitalized, there is no coinsurance. For days 61 through 90, there is a $315 per day coinsurance charge. After 90 days of hospital care, a patient has 60 lifetime reserve days for which the coinsurance is $630 per day. After the lifetime reserve days have been exhausted, the patient is responsible for all costs during the benefit period in question.

When staying at a skilled nursing facility, a patient pays no coinsurance for days one through 20 of a benefit period. For days 21 through 100, he pays $157.50 per day. He is responsible for all costs beginning on day 101.

The deductible for Medicare Part B, which covers medical services, is $147 per year. After satisfying the deductible, the patient is responsible for paying 20 percent of the Medicare-approved costs for doctor services, outpatient therapy and durable goods. The patient pays no coinsurance for clinical laboratory services.

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