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If you're hospitalized, Medicare Part A covers you once you've paid the Part A deductible. After 60 days you’ll have to pay coinsurance, and the amount increases based on the length of your stay.
Does Original Medicare cover hospital stays?
With the cost of a three-day hospital stay averaging around $30,000, making sure you’re covered for hospital visits is essential.
As long as your hospital accepts Medicare, Medicare Part A will cover your hospital stay. You usually need an official doctor’s order stating the stay is necessary for your treatment. Medicare may sometimes cover hospitalization without this. For example, the hospital’s utilization review committee can approve your stay when you're admitted.
This coverage includes inpatient care at the following types of facilities, according to Medicare.gov:
- Acute care hospitals.
- Critical access hospitals.
- Long-term care hospitals.
- Inpatient psychiatric facilities (with a 190-day lifetime limit).
- Inpatient rehabilitation facilities.
The following services are included in your Medicare Part A hospital coverage:
- A semi-private room.
- Meals.
- Medications, including methadone.
- Nursing care.
- Other hospital supplies and services needed for your treatment.
Hospital inpatient care is also covered if you participate in a qualifying clinical research study.
Be aware that Medicare Part A only covers Medicare-approved hospital services and items. The doctors' services you receive while there fall under the umbrella of Medicare Part B.
Your Part B coverage pays 80% of any Medicare-approved doctors' services.
Shopping for Medicare plans? We have you covered.
Medicare Advantage is an alternative to traditional Medicare offered by private health insurers. It covers the same benefits as Medicare Part A and Part B.
- States available48 states and Washington, D.C.
- Members in high-rated plansMedium (50% to 84%)
- Member satisfactionAverage
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- States available46 states and Washington, D.C.
- Members in high-rated plansLow (49% or less)
- Member satisfactionAbove average
(855) 432-0512 / TTY 711
M-F 9AM-9PM, Sat 10AM-6PM ET
Speak to a licensed insurance agent on askchapter.org
Get a quote
On NerdWallet
How much does hospital coverage cost with Medicare Part A?
Medicare Part A has a deductible of $1,736 in 2026 for each benefit period. Once your deductible is met, here’s how coverage and coinsurance works:
- Days 1-60 of hospitalization: You owe $0 coinsurance.
- Days 61-90 of hospitalization: You owe $434 per day in 2026 for each benefit period.
- Days 91 and after: You owe $868 in 2026 for each of your “lifetime reserve days” after day 90 for each benefit period, of which you have 60 to use over the course of your lifetime.
- Days after lifetime reserve is used up: No coverage. You owe full cost.
🤓 Nerdy Tip
A benefit period starts the day you’re admitted for an inpatient hospital stay or skilled nursing facility care. It ends when you haven’t received inpatient hospital or skilled nursing care for 60 days in a row. If you’re admitted after that, you’ve started a new benefit period and must pay the deductible again. There are some exclusions to be aware of that Medicare Part A doesn’t cover, including:
- Private rooms (unless they’re medically necessary).
- In-room TV or phone (if the hospital charges separately for these services).
- Private-duty nurses.
- Personal care items, such as socks or razors.
Can Medicare Supplement Insurance help?
Medicare Supplement Insurance, or Medigap, can help lower your out-of-pocket costs. Both Medicare Part A and Part B come with deductibles, copays and coinsurance. Some Medigap plans will cover your Part A deductible, Part A coinsurance and hospital costs, and the first three pints of blood for a transfusion.
Medigap plans are standardized, so you get the same Medicare benefits from any company offering the specific plan type. However, the premiums and available plan types can vary depending on your location. After you compare Medicare Supplement plans' coverage, it’s important to shop around to find the most affordable plan that best suits your health needs.
Does Medicare Advantage cover hospital stays?
Medicare Advantage plans are required to provide the same level of coverage as Original Medicare. So any Medicare Advantage plan you choose will cover the same services. Some plans may offer extra benefits such as full hospital coverage beyond 90 days.
However, some Medicare Advantage plans have a daily copay that kicks in right away for your first few days or full week in the hospital. These daily costs could add up to a lot more than the Part A deductible, depending on your plan. (There’s no cost for the first 60 days of basic hospitalization with Medicare Part A, other than the Part A deductible.)
Because Medicare Advantage is offered through private health insurance companies, the terms, copays, coinsurance and benefit details will vary from plan to plan. Benefits are substantially reduced if your hospital or medical provider is out-of-network, unless you require urgent or emergent care.
When comparing Original Medicare and Medicare Advantage hospital coverage, consider the total potential out-of-pocket expenses for extended hospital stays:
- Original Medicare doesn’t limit your total hospitalization costs unless you have a Medigap plan, which covers certain out-of-pocket expenses.
- Medicare Advantage plans cap annual out-of-pocket expenses once you’ve hit a spending threshold. It can be as high as $9,250 out of pocket in 2026. Then they’ll pay 100% of covered services for the remainder of that year (as long as you’ve used in-network providers and hospitals).
» MORE: Best Medicare Advantage plans
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
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- 1. HealthCare.gov. Protection from high medical costs. Accessed Mar 24, 2026.
- 2. Centers for Medicare & Medicaid Services. Inpatient hospital care. Accessed Mar 24, 2026.
