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 * Costs

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COSTS

What you pay for Medicare will vary based on what coverage and services you get,
and what providers you visit. What are my coverage options?

There's no yearly limit on what you pay out-of-pocket, unless you have
supplemental coverage, like a Medicare Supplement Insurance (Medigap) policy, or
you join a Medicare Advantage Plan .

What’s a premium, deductible, coinsurance, or copayment?

 


PART A (HOSPITAL INSURANCE) COSTS

Part A costs:What you pay in 2024: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.”

Do I qualify for 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 ($285 or $518 in 2025),
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. Learn more about how
   Medicare works.
 * 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 ($1,676 in 2025) for each inpatient hospital benefit period , before
Original 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. How do benefit
periods work?

Inpatient stay
 * Days 1-60: $0 after you pay your Part A deductible.
 * Days 61-90: $408 each day ($419 in 2025).
 * Days 91-150: $816 each day ($838 in 2025) while using your 60 lifetime
   reserve days .
 * After day 150: You pay all costs.

What's not covered?

What will I pay if I get mental health services as an inpatient?

Skilled nursing facility stay 
 * Days 1-20: $0. 
 * Days 21-100: $204 each day ($209.50 in 2025).
 * 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.
   What if my hospice care doesn't pay for my drug?
 * 5% of the  Medicare-approved amount for inpatient respite care .
   What's not covered?

 


PART B (MEDICAL INSURANCE) COSTS

Part B costs:What you pay in 2024:Premium

$174.70 each month ($185 in 2025) (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.

Who pays a higher Part B premium because of income?

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 ($257 in 2025) 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.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).

Inpatient hospital care20% 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.

Compare outpatient procedure costs under Original Medicare.

Get help with Part A & Part B costs
If you have limited income and resources, you may be able to get help from your
state to pay your premiums and other costs. Learn more about help with costs.


MEDICARE ADVANTAGE PLAN (PART C) COSTS

Medicare Advantage Plan costs:What you pay in 2024:Premiums & other costs (like
deductibles, copayments, & coinsurance)

Varies by plan. These amounts can change each year.

You must have Part B and keep paying your Part B premium to stay in your plan.
Will my Medicare Advantage Plan help pay my Part B premium?

Compare costs for specific health care plans.

Out-of-pocket limitVaries 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.

Where can I get more cost details from my plan?

Learn more about Medicare Advantage Plans.

 


PART D (DRUG COVERAGE) COSTS

Part D costs:What you pay in 2024:Premium

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

Who pays a higher Part D premium because of income?

Avoid paying a penalty:

 * Join a Medicare drug plan when you first get Medicare Part A and/or Part
   B, and
 * 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, & coinsuranceVaries by plan and pharmacy. Find Medicare
drug plans in your area, and compare their costs and coverage.

Get help with drug costs
If you have limited income and resources, you may be able to get Extra Help to
pay your plan premiums and other drug costs. If you qualify, you won’t have to
pay the Part D late enrollment penalty. Learn more about help with costs.

Learn more about Part D.

 


MEDICARE SUPPLEMENTAL INSURANCE (MEDIGAP)

Medigap costs:What you pay in 2024:Premium

Varies based on which Medigap policy you buy, where you live, and other factors.
The amount can change each year.

You must have Part B and keep paying your Part B premium to keep your Medigap
policy.
Other costs
 * Medigap usually helps pay your portion of the costs (like deductibles and
   coinsurance) for services that Part A and Part B cover in Original Medicare.
   The amount you’ll pay for Part A and Part B services if you have a Medigap
   policy varies depending on the policy you buy.
 * Some Medigap policies include extra benefits to lower your costs, like
   coverage when you travel out of the country.

Learn more about Medigap and its costs.

 


WHAT DO YOU WANT TO DO NEXT?

 * Next Step: Get help with costs
 * Take Action: Talk to someone
 * Get details: Learn about the parts of Medicare


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