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Benefit Period

The benefit period is the length of time during which a benefit is paid. It measures your use of inpatient hospital and skilled nursing facility (SNF) services. This begins the day you are admitted as an inpatient, or to an SNF, and ends the day you have been out of the hospital or SNF for 60 days in a row. After you meet your deductible, Original Medicare will pay in full for days 1 to 60 that you are in a hospital. The remaining days, 61-90, you will have to pay a daily coinsurance.
If your 90 days of hospital coverage has been consumed but you need to stay longer, Medicare covers up to 60 additional lifetime reserve days and you will also have to pay a daily coinsurance. These days are nonrenewable, meaning you will not get them back when you become eligible for another benefit period.
If you run out of days during your benefit period, Medicare will stop paying for your in-patient related hospital costs such as room and board. To be eligible for a new benefit period, and to have additional days of inpatient coverage, you must remain out of the hospital or SNF for 60 days in a row. Once you start a new benefit period, you will have a new Part A deductible as well.
Note: Medigap Part A through L pay for your hospital coinsurance and provide up to an additional 365 lifetime reserve days. Additionally, Plans B through J pays your full hospital deductible.
If you are enrolled in a Medicare Advantage Plan, contact your plan to learn about the costs and coverage rules for inpatient care.
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NCOV -19 and MEDICARE 2020

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Lifetime Reserve Days

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