Читать книгу Medicare For Dummies - Barry Patricia, Patricia Barry - Страница 60

If you stay in the hospital for more than 60 days in any one benefit period, you’re charged a daily co-pay for each day from the 61st to the 90th. In 2020, the co-pay is $352 a day, but this amount increases a little each year. If you still need to remain in the hospital after 90 days, you can choose to draw on some of your lifetime reserve days. These days require a hefty co-pay — $704 a day in 2020 — and they’re limited to 60 days for the rest of your life. After these reserve days are exhausted, you must pay full costs.

If you’re admitted to a skilled nursing facility (SNF) after being in the hospital for the required three days, Medicare picks up the whole SNF tab for the first 20 days, and you pay nothing. After that, you pay a daily co-pay ($176 in 2020) for the next 80 days. If you need to be in the facility longer than 100 days in any one benefit period, you’re responsible for the full cost.

You can’t use your lifetime reserve days to extend coverage in an SNF.