Annual Benefits

Benefit Days, Coinsurance, Deductible Amounts

2026

Benefit Days Patient Responsibility Do These Days Renew?
  • Hospital
  • 150 Total Benefit Days
  • 1-60 Deductible
  • 61-90 Coinsurance
  • 91-150 Lifetime Reserve (LTR)
  • $1,736 Deductible
  • $434 Per Day
  • $868 Per Day
  • 1-90 Renew after 60-day break from hospital admission or skilled nursing care in a SNF
  • LTR Days do not renew
  • Psychiatric Hospital
  • 190 Lifetime Days
  • Same as Hospital
  • Do not renew
  • Skilled Nursing Facility (SNF)
  • 100 Benefit Period Days
  • 1-20 Paid in full
  • 21-100 Coinsurance
  • Paid in full
  • $217 Per Day
  • Renew after 60-day break from hospital admission or skilled

2025

Benefit Days Patient Responsibility Do These Days Renew?
  • Hospital
  • 150 Total Benefit Days
  • 1-60 Deductible
  • 61-90 Coinsurance
  • 91-150 Lifetime Reserve (LTR)
  • $1,676 Deductible
  • $419 Per Day
  • $838 Per Day
  • 1-90 Renew after 60-day break from hospital admission or skilled nursing care in a SNF
  • LTR Days do not renew
  • Psychiatric Hospital
  • 190 Lifetime Days
  • Same as Hospital
  • Do not renew
  • Skilled Nursing Facility (SNF)
  • 100 Benefit Period Days
  • 1-20 Paid in full
  • 21-100 Coinsurance
  • Paid in full
  • $209.50 Per Day
  • Renew after 60-day break from hospital admission or skilled

2024

Benefit Days Patient Responsibility Do These Days Renew?
  • Hospital
  • 150 Total Benefit Days
  • 1-60 Deductible
  • 61-90 Coinsurance
  • 91-150 Lifetime Reserve (LTR)
  • $1,632 Deductible
  • $408 Per Day
  • $816 Per Day
  • 1-90 Renew after 60-day break from hospital admission or skilled nursing care in a SNF
  • LTR Days do not renew
  • Psychiatric Hospital
  • 190 Lifetime Days
  • Same as Hospital
  • Do not renew
  • Skilled Nursing Facility (SNF)
  • 100 Benefit Period Days
  • 1-20 Paid in full
  • 21-100 Coinsurance
  • Paid in full
  • $204 Per Day
  • Renew after 60-day break from hospital admission or skilled

2023

Benefit Days Patient Responsibility Do These Days Renew?
  • Hospital
  • 150 Total Benefit Days
  • 1-60 Deductible
  • 61-90 Coinsurance
  • 91-150 Lifetime Reserve (LTR)
  • $1,600 Deductible
  • $400 Per Day
  • $800 Per Day
  • 1-90 Renew after 60-day break from hospital admission or skilled nursing care in a SNF
  • LTR Days do not renew
  • Psychiatric Hospital
  • 190 Lifetime Days
  • Same as Hospital
  • Do not renew
  • Skilled Nursing Facility (SNF)
  • 100 Benefit Period Days
  • 1-20 Paid in full
  • 21-100 Coinsurance
  • Paid in full
  • $200.00 Per Day
  • Renew after 60-day break from hospital admission or skilled
Year Deductible Coinsurance LTR SNF Coinsurance Part B Deductible
2026 1,736.00 434.00 868.00 217.00 283.00
2025 1,676.00 419.00 838.00 209.50 257.00
2024 1,632.00 408.00 816.00 204.00 240.00
2023 1,600.00 400.00 800.00 200.00 226.00
2022 1,556.00 389.00 778.00 194.50 233.00
2021 1,484.00 371.00 742.00 185.50 203.00
2020 1,408.00 352.00 704.00 176.00 198.00
2019 1,346.00 341.00 682.00 170.50 185.00
Last Updated Dec 18 , 2025