Medicare Part A (Hospital Insurance) covers mental health care services you get in a hospital that require you to be admitted as an inpatient. You can get these services either in a general hospital or a psychiatric hospital that only cares for people with mental health conditions.
Medicare doesn’t cover:
• The cost of private duty nursing
• A phone or television in your room
• Personal items, like toothpaste, socks, or razors
• A private room, unless medically necessary
All people with Medicare are covered.
Your costs in Original Medicare
• Days 1–60: $1,184 deductible for each benefit period in 2013.
• Days 61–90: $296 coinsurance per day of each benefit period in 2013.
• Days 91 and beyond: $592 coinsurance per each “lifetime reserve day” after day 90 for each benefit period (up to 60 days over your lifetime) in 2013.
• Beyond lifetime reserve days: all costs.
There’s no limit to the number of benefit periods you can have when you get mental health care in a general hospital. You can also have multiple benefit periods when you get care in a psychiatric hospital. Remember, there’s a lifetime limit of 190 days.
• 20% of the Medicare-approved amount for mental health services you get from doctors and other providers while you’re a hospital inpatient.