Medicare Part B Excess Charges? 
In short , Part A is your hospital insurance and Part B is your physician insurance . Excess charges falls under what a doctor can bill you for . If you read an outline of coverage of a plan F or a plan G -LRB- whichever carrier 's outline you want to look at does n't matter - the plans are standardized so the input is the same regardless of company -RRB- , you will see that Medicare Part A pays all but specified amounts during a hospital stay -LRB- as an inpatient -RRB- as follows : 1 -RRB- First 60 days - Medicare Part A pays for all but $ 1,260 . Medigap plan F and G pay the deductible for you . 2 -RRB- Days 61-90 - Medicare Part A pays for all but $ 315 a day . Medigap plan F and G pay the $ 315 a day for you -LRB- 30 days totals up to $ 9,450 -RRB- . 3 -RRB- Days 91 + -LRB- while using 60 lifetime reserve days -RRB- - Medicare Part A pays for all but $ 630 a day . Medigap plan F and G pay the $ 630 a day -LRB- 60 reserve days totals up to $ 37,800 -RRB- . 4 -RRB- Once lifetime reserve days are used , additional 365 days - Medicare Part A pays $ 0 . Medigap plan F and G pay 100 % of Medicare-eligible expenses up to an additional 365 days . 5 -RRB- Beyond the additional 365 days - Medicare Part A pays $ 0 . * Note - that 's per benefit period ! A benefit period begins on the first day you receive services as an INPATIENT and ends after you 've been out of the hospital for at least 60 days in a row . It 's possible to have more than one benefit period in the span of a year . Inpatient stay coverage per benefit period includes semi-private room and board , general nursing , and miscellaneous services and supplies . Please also note , you can be in a hospital for a day or two and still be listed as an outpatient . If you 're unsure , you should ask your doctor if you 're listed as an inpatient or outpatient in their system . Unless you 're admitted as an inpatient , you 're being treated as an outpatient which is where your Medicare Part B coverage comes into play . Part B pays about 80 % of medical expenses leaving you responsible for the other 20 % -LRB- covered by plans F and G -RRB- . If a doctor accepts Medicare assignment , they accept the Medicare-approved amount as payment in full . If they do not accept Medicare assignment , they can bill you an excess charge - which are covered by plans F and G . If you live in Connecticut , Massachusetts , Minnesota , New York , Ohio , Pennsylvania , Rhode Island , or Vermont , you can not be charged excess charges by a doctor due to the Medicare Overcharge Measure laws . I hope the information is helpful - please feel free to contact me for help with your coverage and if you have any other questions . Thanks very much . 