Does Medicare pay for a hospital stay, and what will I owe?

Medicare.gov says Part A usually covers inpatient hospital care if you are eligible. You must be admitted as an inpatient with a doctor's order, and the hospital must accept Medicare [1]. Covered: semi-private rooms, meals, general nursing, certain drugs, and other hospital services. Not covered: private-duty nursing, a private room (unless needed), a TV or phone with a fee, and personal care items [1].

For each benefit period in 2026, you pay as follows [1]. Days 1 to 60: after the Part A deductible ($1,736), $0 a day. A Medicare Advantage Plan may charge copayments in the first 60 days. Days 61 to 90: $434 a day. Days 91 to 150: $868 a day, using your 60 lifetime reserve days. After day 150: you pay all costs.

Part A pays up to 190 days of inpatient mental health care in a freestanding psychiatric hospital in your life [1]. Part B generally pays 80% for doctors' services while you are in the hospital [1].

Open Medicare.gov, Inpatient hospital care, at https://www.medicare.gov/coverage/inpatient-hospital-care and read the part quoted above. Your own plan or policy papers hold details these sources do not give: "Don't know yet" for your case.