A Medicare Supplement that is known as ‘Medigap’ policy is sold by private companies and they assist in paying the health care costs such as deductibles, copayments and coinsurance that is not covered actually under the Original Medicare.
The original Medicare includes the coverage of Part A and B and this depends on the status of the hospital to consider a patient as inpatient or outpatients. These terms inpatient and outpatient matters because hospital insurance that is Medicare Part A covers inpatient care , while the medical insurance falls under Medicare Part B that covers the outpatient expenses. This means as an inpatient your hospital admission can affect coverage. Thus, it is very important to know the Medicare coverage of inpatient and outpatient care.
Who is an inpatient?
Inpatient is when your doctor orders you for admission and formally admits you into a hospital room. This means you are under the doctor’s care and gives care instructions as you are in the hospital and so you are an inpatient until discharged. It may also be just an overnight stay at the hospital without the status of being inpatient.
Who is an outpatient?
If you go to a hospital for diagnostic tests or x-rays or visit emergency department or same-day surgery, you visit a hospital but are an outpatient as you spend the time to receive particular services. You are an inpatient only if you are admitted formally by the doctor orders.
Best Medicare Supplement Plans in 2019 qualify you at least when you are in a hospital as inpatient for three days. This includes the admission first day, but not the day you are discharged.
How Medicare pays for inpatient vs. outpatient care?
Getting formally admitted in a hospital as inpatient is covered by Medicare Part A and you pay deductible Part A and this is covered generally in the first 60 days of your admission in hospital. Part A typically pays for meals, semi-private room, medical supplies, nursing care and treatments, in addition to prescription drugs required to treat you in the hospital. Part B Medicare covers the visits of the doctor in the hospital and it is subjected to deductible Part B and coinsurance 20% amounts.
While, if you are getting at the hospital outpatient care and are under observation, Part B covers allowable costs and pays coinsurance amount. Having Medicare Supplement plans helps to get coverage for both, inpatient and outpatient as it covers copayments, deductible amounts and coinsurance.
In fact, Medicare Supplement plans get your benefits of Medicare as required same as Part A and B Original Medicare , except for the Part A hospice care that is still only covered by Part A.