Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Within a Medicare benefit period, for inpatient hospital days 61 through 90 after the deductible is satisfied, the beneficiary is responsible for:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Medicare Part A covers up to 90 days of inpatient hospital care in each benefit period. Days 1 through 60 are covered at no daily charge once the inpatient hospital deductible is satisfied. From day 61 through day 90, the beneficiary pays a daily coinsurance amount and Medicare pays the balance. Beyond day 90, the beneficiary may draw on the 60 lifetime reserve days, and after those are exhausted there is no upper limit on the beneficiary's out-of-pocket responsibility.
Why the other options are wrong
- A) Days 1-60 carry no daily charge after the deductible, but coinsurance applies on days 61-90; Medicare does not pay 100% of the stay.
- B) The 20% coinsurance is a Part B feature for physician services, not the daily hospital coinsurance under Part A.
- C) The beneficiary does not pay the full cost of days 61-90; a daily coinsurance applies and Medicare covers the remainder.
Memory hook
Part A hospital days: 1-60 free after deductible, 61-90 daily coinsurance, then the 60 lifetime reserve days.