In each benefit period (spell of illness) payment may be made for up to 90 days of
patient care in any participating general care, or psychiatric hospital. Payment may
not be made for more than a total of 190 days of psychiatric hospital services during
the patient's lifetime. In each benefit period, hospital insurance pays for all covered
services for the first 60 days, except for an inpatient hospital deductible which
is determined annually by the Secretary. (See HI
For the 61st through the 90th day hospital insurance pays for all covered services,
except for a daily coinsurance amount which is one quarter of the inpatient hospital
deductible. (See HI 00601.560.A).
Each beneficiary also has a “lifetime reserve” of 60 additional hospital days. He can elect to use these days after his 90th inpatient
day stay. The beneficiary's “lifetime” reserve pays for all covered services, except for a daily coinsurance amount which
is one-half of the initial deductible. (See HI 00601.560.B).
In addition to the inpatient hospital deductible there is also a blood deductible
of the first three pints of blood in each benefit period.
Payment may be made for emergency inpatient hospital services furnished by nonparticipating
hospitals when such services are necessary to prevent the death or serious impairment
of the health of the individual and because the threat to the life or health of the
individual necessitates the use of the most accessible hospital. (See HI 01201.201.) (Emergency outpatient services are covered under Medicare Part B.)