Medicare Part A is your inpatient Hospital, Hospice, Home Health Care, and Skilled Nursing Facility Insurance policy. Inpatient means confined for at least 24 hours. Skilled nursing facilities are for people who have been confined to a hospital and need more recovery before they are ready to go home. Skilled nursing facilities are not like nursing homes. They are acute recovery units for people that are expected to recover.
With the exception of maintenance prescription drugs and the deductible, Medicare Part A covers the in-patient hospital charges for the firs 60 days. There is no 20% co-insurance. For days 61-150 Medicare covers all but the maintenance drugs and a daily co-pay. Medicare provides no coverage past 150 days. A Medicare Supplement extends the hospital coverage 365 more days.
The deductibles and co-pays for 2013 are: