This is a follow up to my question on Lifetime Reserve days. If you have a Medigap policy, you gain an additional 365 Lifetime Reserve days. Once those are used up, you have zero coverage for hospital days beyond 90 days. I know that the odds of needing it are very low but the purpose of insurance is to protect you from large losses from unlikely events. My existing health insurance has no limit on hospital stays. And I believe that's the case for Medicare Advantage plans as well.
I find the missing hospital coverage troubling, and it's the one thing that has me hesitating about a supplement. One way of looking at is that it's just one of a number of things missing from Medicare coverage. If you ever get in that situation, maybe you could get moved out of the hospital for 60 days to get a new benefit period which gets you 90 more days of Medicare hospital coverage.
I guess another way of looking at is that if you're in the hospital that long, you're probably about done for, anyway.
I'd appreciate any thoughts on this missing coverage and especially
whether there are any options for covering it. I've done a lot of reading and searching but have failed to find any detailed discussion of this.
Wayne
I find the missing hospital coverage troubling, and it's the one thing that has me hesitating about a supplement. One way of looking at is that it's just one of a number of things missing from Medicare coverage. If you ever get in that situation, maybe you could get moved out of the hospital for 60 days to get a new benefit period which gets you 90 more days of Medicare hospital coverage.
I guess another way of looking at is that if you're in the hospital that long, you're probably about done for, anyway.
I'd appreciate any thoughts on this missing coverage and especially
whether there are any options for covering it. I've done a lot of reading and searching but have failed to find any detailed discussion of this.
Wayne