Chartered Retirement Planning Counselor (CRPC) Practice Exam 2026 - Free CRPC Practice Questions and Study Guide

Part A of Medicare covers inpatient hospital care for up to 90 days per benefit period. This is crucial for beneficiaries to understand as it establishes the maximum duration they can receive care in a hospital without incurring additional out-of-pocket costs beyond their deductible and coinsurance.

In the context of Medicare, a benefit period begins on the day a beneficiary is admitted to an inpatient facility and ends when they have not received any inpatient care for 60 consecutive days. During this benefit period, the first 60 days of care are fully covered after the beneficiary pays a deductible. After the initial coverage of 60 days, if the hospitalization extends beyond this period up to 90 days, the beneficiary will incur daily coinsurance costs.

The number of days covered is essential for planning around potential healthcare needs, as beneficiaries who require more than 90 days of inpatient care will be responsible for paying out of pocket for any days beyond this limit unless they qualify for a new benefit period. Understanding this coverage allows beneficiaries and their families to navigate health care services effectively and make informed decisions regarding their health needs.