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Part A: Hospital Insurance Costs

Premium:

$0 for most people (because they or a spouse paid Medicare taxes long enough while working - generally at least 10 years). If you get Medicare earlier than age 65, you won’t pay a Part A premium. This is sometimes called “premium-free Part A.

If you don’t qualify for premium-free Part A: You might be able to buy it. You’ll pay either $278 or $505 each month for Part A, depending on how long you or your spouse worked and paid Medicare taxes.

Deductible:

$1,632 for each inpatient hospital benefit period, before Original Medicare starts to pay.

The Basics

Part B: Medical Insurance Costs

Premium:

$174.70 each month (or higher depending on your income).

Deductible:

$240 before Original Medicare starts to pay. You pay this deductible once each year.

General costs for services (coinsurance):

Usually 20% of the cost for each Medicare-covered service or item after you’ve paid your deductible (and as long as your doctor or health care provider accepts the Medicare approved amount as full payment – called “accepting assignment”).

Part C: Medicare Advantage

Premiums & other costs (like deductibles, copayments, & coinsurance) varies by plan. These amounts can change each year.

You must have Part A and B along with keep paying your Part B premium to stay in your plan.

Out-of-pocket limit varies by plan. Once you pay the plan’s limit, the plan pays 100% of your covered health services for the rest of the calendar year.

Part D: Prescription Drug Plans

Premium:

Varies by plan. You may have to pay more, depending on your income.

Avoid paying a penalty:

Join a Medicare drug plan when you first get Medicare Part A and/or Part B
Don’t go 63 days or more without
creditable drug coverage
(coverage that’s similar in value to Part D).

Find out more about the Part D penalty.

Deductibles, copayments, & coinsurance varies by plan and pharmacy. Find Medicare drug plans in your area, and compare their costs and coverage.

2024 Part B Costs:

Premium: $174.70 each month (or higher depending on your income). The amount can change each year. You’ll pay the premium each month, even if you don’t get any Part B-covered services.

You might pay a monthly penalty if you don’t sign up for Part B when you’re first eligible for Medicare (usually when you turn 65). You’ll pay the penalty for as long as you have Part B. The penalty goes up the longer you wait to sign up. Find out how the Part B penalty works and how to avoid it.

Deductible: $240 before Original Medicare starts to pay. You pay this deductible once each year.General costs for services (coinsurance) Usually 20% of the cost for each Medicare-covered service or item after you’ve paid your deductible (and as long as your doctor or health care provider accepts the Medicare approved amount as full payment – called “accepting assignment”). Find out how assignment affects what you pay.

Clinical laboratory services: $0 for covered clinical laboratory services.

Durable Medical Equipment: 20% of the Medicare approved amount for durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment).

Inpatient hospital care: 20% of the Medicare approved amount for most doctor services while you’re a hospital inpatient.

Outpatient mental health care: $0 for your yearly depression screening. 20% of the Medicare approved amount for visits to your doctor or other health care provider to diagnose or treat your condition.

If you get your services in a hospital outpatient clinic or hospital outpatient department, you may have to pay an additional amount to the hospital.

Partial hospitalization mental health care

After you meet the Part B deductible: 20% of the Medicare approved amount for each service you get from a doctor or certain other qualified mental health professional. Coinsurance for each day of partial hospitalization services you get in a hospital outpatient setting or community mental health center

Outpatient hospital care: Usually 20% of the Medicare approved amount for doctor and other health care providers’ services.

You’ll also pay a copayment to the hospital for each service you get in a hospital outpatient setting (except for certain preventive services). In most cases, your copayment won’t be more than the Part A hospital stay deductible amount.
This additional hospital copayment means you may pay more for an outpatient service you get in a hospital than you’d pay if you got the same service in a doctor’s office.

2024 Part A Costs:

Premium: $0 for most people (because they or a spouse paid Medicare taxes long enough while working - generally at least 10 years). If you get Medicare earlier than age 65, you won’t pay a Part A premium. This is sometimes called “premium-free Part A.”

If you don’t qualify for premium-free Part A: You might be able to buy it. You’ll pay either $278 or $505 each month for Part A, depending on how long you or your spouse worked and paid Medicare taxes.

Remember:

You also have to sign up for Part B to buy Part A.
If you don’t buy Part A when you’re first eligible for Medicare (usually when you turn 65), you might pay a penalty. Find out more about how to avoid the Part A penalty.

Deductible: $1,632 for each inpatient hospital benefit period, before Orginial Medicare starts to pay. There’s no limit to the number of benefit periods you can have in a year. This means you may pay the deductible more than once in a year.

Inpatient stay

Days 1-60: $0 after you pay your Part A deductible.
Days 61-90: $408 copayment each day.
Days 91-150: $816 copayment each day while using your 60
lifetime reserve days
After day 150: You pay all costs.

Skilled nursing facility stay

Days 1-20: $0 copayment.
Days 21-100: $204 copayment each day.
Days 101 and beyond: You pay all costs.

Home health care

$0 for covered home health care services. 20% of the Medicare approved amount for durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment)

Hospice care

$0 for covered hospice care services.

You may also pay:

A copayment of up to $5 for each prescription drug and other similar products for pain relief and symptom control while you're at home.
5% of the Medicare approved amount for inpatient respite care
.

Original Medicare

Medicare Supplements

Plan G (Most Common Plan)

You Pay Part B Deductible ($240)

Plan Pays Part A Deductible ($1,632)
Plan Pays Part B Co-Insurance (20%)

Plan N

You Pay Part B Deductible ($240)
Plan Pays Part A Deductible ($1,632)

Plan Pays Part B Co-Insurance (20%)
You Pay Co Pays after Deductible is met:
- $0 Urgent Care
- $20 Doctors/Specialists
- $50 Hospital (If not admitted)

Navigating Medicare can be confusing. We're here to help simplify the process for you with clear guidance. Trust us to make Medicare easier to understand and help you make smart decisions about your healthcare coverage.

Part A: Hospital Insurance Costs

Premium:

$0 for most people (because they or a spouse paid Medicare taxes long enough while working - generally at least 10 years). If you get Medicare earlier than age 65, you won’t pay a Part A premium. This is sometimes called “premium-free Part A.

If you don’t qualify for premium-free Part A: You might be able to buy it. You’ll pay either $278 or $505 each month for Part A, depending on how long you or your spouse worked and paid Medicare taxes.

Deductible:

$1,632 for each inpatient hospital benefit period, before Original Medicare starts to pay.

The Basics

Part B: Medical Insurance Costs

Premium:

$174.70 each month (or higher depending on your income).

Deductible:

$240 before Original Medicare starts to pay. You pay this deductible once each year.

General costs for services (coinsurance):

Usually 20% of the cost for each Medicare-covered service or item after you’ve paid your deductible (and as long as your doctor or health care provider accepts the Medicare approved amount as full payment – called “accepting assignment”).

Part C: Medicare Advantage

Premiums & other costs (like deductibles, copayments, & coinsurance) varies by plan. These amounts can change each year.

You must have Part A and B along with keep paying your Part B premium to stay in your plan.

Out-of-pocket limit varies by plan. Once you pay the plan’s limit, the plan pays 100% of your covered health services for the rest of the calendar year.

Part D: Prescription Drug Plans

Premium:

Varies by plan. You may have to pay more, depending on your income.

Avoid paying a penalty:

Join a Medicare drug plan when you first get Medicare Part A and/or Part B

Don’t go 63 days or more without

creditable drug coverage

(coverage that’s similar in value to Part D).

Find out more about the Part D penalty.

Deductibles, copayments, & coinsurance varies by plan and pharmacy. Find Medicare drug plans in your area, and compare their costs and coverage.

2024 Part B Costs:

Premium: $174.70 each month (or higher depending on your income). The amount can change each year. You’ll pay the premium each month, even if you don’t get any Part B-covered services.

Clinical laboratory services: $0 for covered clinical laboratory services.

Durable Medical Equipment: 20% of the Medicare approved amount for durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment).

Inpatient hospital care: 20% of the Medicare approved amount for most doctor services while you’re a hospital inpatient.

Outpatient mental health care: $0 for your yearly depression screening. 20% of the Medicare approved amount for visits to your doctor or other health care provider to diagnose or treat your condition.

If you get your services in a hospital outpatient clinic or hospital outpatient department, you may have to pay an additional amount to the hospital.

Partial hospitalization mental health care

Outpatient hospital care: Usually 20% of the Medicare approved amount for doctor and other health care providers’ services.

You’ll also pay a copayment to the hospital for each service you get in a hospital outpatient setting (except for certain preventive services). In most cases, your copayment won’t be more than the Part A hospital stay deductible amount.

This additional hospital copayment means you may pay more for an outpatient service you get in a hospital than you’d pay if you got the same service in a doctor’s office.

2024 Part A Costs:

Premium: $0 for most people (because they or a spouse paid Medicare taxes long enough while working - generally at least 10 years). If you get Medicare earlier than age 65, you won’t pay a Part A premium. This is sometimes called “premium-free Part A.”

If you don’t qualify for premium-free Part A: You might be able to buy it. You’ll pay either $278 or $505 each month for Part A, depending on how long you or your spouse worked and paid Medicare taxes.

Remember:

You also have to sign up for Part B to buy Part A.

If you don’t buy Part A when you’re first eligible for Medicare (usually when you turn 65), you might pay a penalty. Find out more about how to avoid the Part A penalty.

Deductible: $1,632 for each inpatient hospital benefit period, before Orginial Medicare starts to pay. There’s no limit to the number of benefit periods you can have in a year. This means you may pay the deductible more than once in a year.

Inpatient stay

Days 1-60: $0 after you pay your Part A deductible.

Days 61-90: $408 copayment each day.

Days 91-150: $816 copayment each day while using your 60

lifetime reserve days

After day 150: You pay all costs.

Skilled nursing facility stay

Days 1-20: $0 copayment.

Days 21-100: $204 copayment each day.

Days 101 and beyond: You pay all costs.

Home health care

$0 for covered home health care services. 20% of the Medicare approved amount for durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment)

Hospice care

$0 for covered hospice care services.

You may also pay:

A copayment of up to $5 for each prescription drug and other similar products for pain relief and symptom control while you're at home.

5% of the Medicare approved amount for inpatient respite care

.

Original Medicare

Medicare Supplements

Plan G (Most Common Plan)

You Pay Part B Deductible ($240)

Plan Pays Part A Deductible ($1,632)

Plan Pays Part B Co-Insurance (20%)

Plan N

You Pay Part B Deductible ($240)

Plan Pays Part A Deductible ($1,632)

Plan Pays Part B Co-Insurance (20%)

You Pay Co Pays after Deductible is met:

$0 Urgent Care

$20 Doctors/Specialists

$50 Hospital (If not admitted)

*Not all doctors accept Medicare assignment *Excess charges up to 15%

Not all doctors accept Medicare assignment Excess charges up to 15%