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Hospital Stay/Hospital Bed

Covered by Medicare


Medicare Part A (Hospital Insurance) covers inpatient hospital care when all of these are true:

  • You’re admitted to the hospital as an inpatient under an official doctor’s order saying you need inpatient hospital care to treat your illness/injury.
  • The hospital accepts Medicare.
  • In certain cases, the Utilization Review Committee of the hospital approves your stay while you’re in the hospital.

Medicare-covered hospital services include:

  • Semi-private rooms
  • Meals
  • General nursing
  • Medicine, as part of your inpatient treatment
  • Other hospital services and supplies


The following are the Medicare costs associated with a hospital stay in 2021:

  • $1,484 deductible for each benefit period
  • Days 1–60: $0 coinsurance for each benefit period
  • Days 61–90: $371 coinsurance per day of each benefit period
  • Days 91 and beyond: $742 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

What to Know

Inpatient mental healthcare in a psychiatric hospital is limited to 190 days in a lifetime.

Inpatient hospital care includes:

  • Acute care hospitals
  • Critical access hospitals
  • Inpatient rehabilitation facilities
  • Inpatient psychiatric facilities
  • Long-term care hospitals
  • Inpatient care as part of a qualifying clinical research study

Medicare Part B (Medical Insurance) covers your doctors’ services you get while you’re in a hospital.
This doesn’t include:

  • Private-duty nursing
  • Private room (unless medically necessary)
  • Television and phone in your room (if there’s a separate charge for these items)
  • Personal care items, like razors or slipper socks

Medicare By State

Medicare is regulated by the federal government. However, private insurance companies are allowed to offer various parts of Medicare, and these plans can differ from state to state.

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