2023 Medicare (Part A) – Hospital Services – Per Benefit Period

* A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

**NOTICE: When your Medicare Part A hospital benefits are exhausted, the Plan stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy’s “Core Benefits.” During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid.

Hospitalization* Medicare Pays Plan Pays You Pay
Semiprivate room and board, general nursing and miscellaneous services and supplies      
First 60 Days All but $1,600 $1,600 (Part A deductible) $0
61st thru 90th day All but $400 a day $400 a day $0
91st day and after: -While using 60 lifetime reserve days All but $800 a day $800 a day $0
Once lifetime reserve days are used: -Additional 365 days $0 100% of Medicare eligible expenses $0**
-Beyond additional 365 days $0 $0 All costs
Skilled Nursing Facility Care* Medicare Pays Plan Pays You Pay
You must meet Medicare’s requirements, including having been in a hospital for at least 3 days and entered a Medicare approved facility within 30 days after leaving hospital      
First 20 days All approved amounts $0 $0
21st thru 100th day All but $200 a day Up to $200 a day $0
101st day and after $0 $0 All costs
Blood Medicare Pays Plan Pays You Pay
First 3 pints $0 3 pints $0
Additional amounts 100% $0 $0
Hospice Care Medicare Pays Plan Pays You Pay
You must meet Medicare’s requirements, including a doctor’s certification of terminal illness All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care Medicare copayment/coinsurance $0