Medigap plans cover an additional 365 days of inpatient care once the Part A lifetime reserve is exhausted. This should provide time to determine next steps.
Additional 365 days: Medicare pays $0, Plan pays 100% of Medicare eligible expenses, you pay $0.
NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy's "Core Benefits." During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid."
