Part A Cost-Sharing Structure
| Benefit Period | Your Cost |
|---|---|
| Days 1–60 | Part A deductible per benefit period, then $0 coinsurance |
| Days 61–90 | Daily coinsurance amount (adjusts annually) |
| Days 91+ | Higher daily coinsurance using lifetime reserve days (limited to 60 over your lifetime) |
| Beyond lifetime reserve days | You pay all costs |
Why This Matters
A single extended hospitalization can expose you to thousands of dollars in coinsurance under Original Medicare alone — a key reason people pair Medicare with Medigap or hospital indemnity coverage.
Key Takeaways
- Part A coinsurance kicks in after day 60 of a benefit period and increases after day 90.
- Lifetime reserve days are limited to 60 total — once used, they don't replenish.
- Supplemental coverage can offset these specific gaps.
Exact dollar amounts for deductibles and coinsurance change annually. Confirm current figures at Medicare.gov.
Free Consultation
Have Questions About Your Situation?
Every situation is different. Our Wyoming and Utah advisors provide free, personalized guidance — no pressure, no obligation.