Listed below are basic costs for people with Medicare. If you want to see and compare costs for specific health care plans, visit the Medicare Plan Finder.
For specific cost information (like whether you've met your
, how much you'll pay for an item or service you got, or the status of a
), visit MyMedicare.gov.
2018 costs at a glance | |
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Part A premium | Most people don't pay a monthly premium for Part A (sometimes called "premium-free Part A"). If you buy Part A, you'll pay up to $422 each month. If you paid Medicare taxes for less than 30 quarters, the standard Part A premium is $422. If you paid Medicare taxes for 30-39 quarters, the standard Part A premium is $232. |
Part A hospital inpatient deductible and coinsurance |
You pay:
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Part B premium | The standard Part B premium amount is $134 (or higher depending on your income). However, some people who get Social Security benefits will pay less than this amount ($130 on average). |
Part B deductible and coinsurance | $183 per year. After your deductible is met, you typically pay 20% of the
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Part C premium |
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Part D premium |
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2019 costs at a glance | |
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Part A premium | Most people don't pay a monthly premium for Part A (sometimes called "premium-free Part A"). If you buy Part A, you'll pay up to $437 each month. If you paid Medicare taxes for less than 30 quarters, the standard Part A premium is $437. If you paid Medicare taxes for 30-39 quarters, the standard Part A premium is $240. |
Part A hospital inpatient deductible and coinsurance |
You pay:
|
Part B premium | The standard Part B premium amount is $135.50 (or higher depending on your income). |
Part B deductible and coinsurance | $185 per year. After your deductible is met, you typically pay 20% of the
|
Part C premium |
|
Part D premium |
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Detailed Medicare cost information for 2018 & 2019
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Medicare Part A (Hospital Insurance) costs -
- Monthly
Premium : Learn more about Part A costs.Most people don't pay a monthly premium for Part A (sometimes called "premium-free Part A"). If you buy Part A, you'll pay up to $422 each month in 2018 ($437 in 2019). If you paid Medicare taxes for less than 30 quarters, the standard Part A premium is $422 ($437 in 2019). If you paid Medicare taxes for 30-39 quarters, the standard Part A premium is $232 ($240 in 2019).
- Late enrollment penalty:
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If you don't buy it when you're first eligible, your monthly premium may go up 10%. (You'll have to pay the higher premium for twice the number of years you could have had Part A, but didn't sign up.)
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Part A costs if you have Original Medicare
Note
All Medicare Advantage Plans must cover these services. If you're in a Medicare Advantage Plan, costs vary by plan and may be either higher or lower than those in Original Medicare. Review the "Evidence of Coverage" from your plan.
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Home health care
- $0 for home health care services.
- 20% of the
Medicare-approved amount forDurable medical equipment (DME) [Glossary] (DME).
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Hospice care
- $0 for
Hospice care. - You may need to pay a
Copayment of no more than $5 for each prescription drug and other similar products for pain relief and symptom control while you're at home. In the rare case your drug isn’t covered by the hospice benefit, your hospice provider should contact your Medicare drug plan to see if it's covered under Part D. - You may need to pay 5% of the
Medicare-approved amount for inpatientRespite care . - Medicare doesn't cover room and board when you get hospice care in your home or another facility where you live (like a nursing home).
- $0 for
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Hospital inpatient stay
- $1,340 ($1,364 for 2019)
Deductible [glossary] for eachBenefit period . - Days 1–60: $0
Coinsurance for each benefit period. - Days 61–90: $335 ($341 for 2019) coinsurance per day of each benefit period.
- Days 91 and beyond: $670 ($682 for 2019) coinsurance per each "lifetime reserve day" after day 90 for each benefit period (up to 60 days over your lifetime).
- Beyond
Lifetime reserve days : all costs.
Note
You pay for private-duty nursing, a television, or a phone in your room. You pay for a private room unless it's medically necessary.
- $1,340 ($1,364 for 2019)
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Mental health inpatient stay
- $1,340 ($1,364 for 2019)
Deductible [glossary] for eachBenefit period . - Days 1–60: $0
Coinsurance per day of each benefit period. - Days 61–90: $335 ($341 for 2019) coinsurance per day of each benefit period.
- Days 91 and beyond: $670 ($682 for 2019) coinsurance per each "lifetime reserve day" after day 90 for each benefit period (up to 60 days over your lifetime).
- Beyond
Lifetime reserve days : all costs. - 20% of the
Medicare-approved amount for mental health services you get from doctors and other providers while you're a hospital inpatient.
Note
There's no limit to the number of benefit periods you can have when you get mental health care in a general hospital. You can also have multiple benefit periods when you get care in a psychiatric hospital. Remember, there's a lifetime limit of 190 days.
- $1,340 ($1,364 for 2019)
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Skilled nursing facility stay
- Days 1–20: $0 for each
Benefit period . - Days 21–100: $167.50 ($170.50 for 2019)
Coinsurance per day of each benefit period. - Days 101 and beyond: all costs.
- Days 1–20: $0 for each
- Monthly
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Medicare Part B (Medical Insurance) costs -
- Monthly premium:
2018
The standard Part B premium amount in 2018 is $134 (or higher depending on your income). However, some people who get Social Security benefits pay less than this amount ($130 on average). You'll pay the standard premium amount (or higher) if:
- You enroll in Part B for the first time in 2018.
- You don't get Social Security benefits.
- You're directly billed for your Part B premiums (meaning they aren't taken out of your Social Security benefits).
- You have Medicare and Medicaid, and Medicaid pays your premiums. (Your state will pay the standard premium amount of $134 for 2018.)
- Your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount. If so, you'll pay the standard premium amount and an Income Related Monthly Adjustment Amount (IRMAA). IRMAA is an extra charge added to your premium.
If you're in 1 of these 5 groups, here's what you'll pay:
If your yearly income in 2016 (for what you pay in 2018) was You pay each month (in 2018) File individual tax return File joint tax return File married & separate tax return $85,000 or less $170,000 or less $85,000 or less $134 above $85,000 up to $107,000 above $170,000 up to $214,000 Not applicable $187.50 above $107,000 up to $133,500 above $214,000 up to $267,000 Not applicable $267.90 above $133,500 up to $160,000 above $267,000 up to $320,000 Not applicable $348.30 above $160,000 above $320,000 above $85,000 $428.60 Get more information about your Part B premium from Social Security [PDF, 341 KB].
2019
The standard Part B premium amount in 2019 will be $135.50. Most people will pay the standard Part B premium amount. If your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount, you'll pay the standard premium amount and an Income Related Monthly Adjustment Amount (IRMAA). IRMAA is an extra charge added to your premium.
If your yearly income in 2017 (for what you pay in 2019) was You pay each month (in 2019) File individual tax return File joint tax return File married & separate tax return $85,000 or less $170,000 or less $85,000 or less $135.50 above $85,000 up to $107,000 above $170,000 up to $214,000 Not applicable $189.60 above $107,000 up to $133,500 above $214,000 up to $267,000 Not applicable $270.90 above $133,500 up to $160,000 above $267,000 up to $320,000 Not applicable $352.20 above $160,000 and less than $500,000 above $320,000 and less than $750,000 above $85,000 and less than $415,000 $433.40 $500,000 or above $750,000 and above $415,000 and above $460.50 - Late enrollment penalty:
In most cases, if you don't sign up for Part B when you're first eligible, you'll have to pay a late enrollment penalty. You'll have to pay this penalty for as long as you have Part B. Your monthly premium for Part B may go up 10% for each full 12-month period that you could have had Part B, but didn't sign up for it. Also, you may have to wait until the General Enrollment Period (from January 1 to March 31) to enroll in Part B. Coverage will start July 1 of that year.
Learn more about the Part B late enrollment penalty.
Part B costs if you have Original Medicare
Note
All Medicare Advantage Plans must cover these services. If you're in a Medicare Advantage Plan, costs vary by plan and may be either higher or lower than those in Original Medicare. Review the "Evidence of Coverage" from your plan.
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Part B annual deductible:
You pay $183 per year in 2018 ($185 in 2019) for your Part B
Deductible [glossary] . After your deductible is met, you typically pay 20% of the
Medicare-approved amount for these:
- Most doctor services (including most doctor services while you're a hospital inpatient)
- Outpatient therapy
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Durable medical equipment (DME) [Glossary]
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Clinical laboratory services:
You pay $0 for Medicare-approved services.
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Home health services:
- $0 for home health care services.
- 20% of the
Medicare-approved amount forDurable medical equipment (DME) [Glossary] .
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Medical and other services:
You pay 20% of the
Medicare-approved amount for most doctor services (including most doctor services while you're a hospital inpatient), outpatient therapy, and
Durable medical equipment (DME) [Glossary] .
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Outpatient mental health services:
- You pay nothing for your yearly depression screening if your doctor or health care provider accepts assignment.
- 20% of the
Medicare-approved amount for visits to your doctor or otherHealth care provider to diagnose or treat your condition. The Part BDeductible [glossary] applies. - If you get your services in a hospital outpatient clinic or hospital outpatient department, you may have to pay an additional
Copayment orCoinsurance amount to the hospital.
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Partial hospitalization mental health services:
You pay a percentage of the
Medicare-approved amount for each service you get from a doctor or certain other qualified mental health professionals if your health care professional accepts
Assignment . You also pay
Coinsurance for each day of partial hospitalization services provided in a hospital outpatient setting or community mental health center, and the Part B
Deductible [glossary] applies.
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Outpatient hospital services:
- You usually pay 20% of the
Medicare-approved amount for the doctor or other health care provider's services. For services that can also be provided in a doctor’s office, you may pay more for services you get in a hospital outpatient setting than you’ll pay for the same care in a doctor’s office. However, the hospital outpatientCopayment for the service is capped at the inpatient deductible amount. - In addition to the amount you pay the doctor, you’ll also usually pay the hospital a copayment for each service you get in a hospital outpatient setting, except for certain preventive services that don’t have a copayment. In most cases, the copayment can’t be more than the Part A hospital stay
Deductible [glossary] for each service. - The Part B deductible applies, except for certain preventive services. If you get hospital outpatient services in a critical access hospital, your copayment may be higher and may exceed the Part A hospital stay deductible.
- You usually pay 20% of the
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Medicare Part C (Medicare Advantage) -
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Monthly premium:
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Deductibles, copayments, & coinsurance:
The amount you pay for Part C deductibles, copayments, and/or coinsurance varies by plan. Look for specific Part C plan costs, and then call the plans you're interested in to get more details.
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Medicare Part D (Medicare prescription drug coverage) -
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Monthly premium:
Part D premiums by income
The chart below shows your estimated prescription drug plan monthly premium based on your income as reported on your IRS tax return. If your income is above a certain limit, you'll pay an income-related monthly adjustment amount in addition to your plan premium.
2018
If your filing status and yearly income in 2016 was File individual tax return File joint tax return File married & separate tax return You pay each month (in 2018) $85,000 or less $170,000 or less $85,000 or less your plan premium above $85,000 up to $107,000 above $170,000 up to $214,000 not applicable $13.00 + your plan premium above $107,000 up to $133,500 above $214,000 up to $267,000 not applicable $33.60 + your plan premium above $133,500 up to $160,000 above $267,000 up to $320,000 not applicable $54.20 + your plan premium above $160,000 above $320,000 above $85,000 $74.80 + your plan premium 2019
If your filing status and yearly income in 2017 was File individual tax return File joint tax return File married & separate tax return You pay each month (in 2019) $85,000 or less $170,000 or less $85,000 or less your plan premium above $85,000 up to $107,000 above $170,000 up to $214,000 not applicable $12.40 + your plan premium above $107,000 up to $133,500 above $214,000 up to $267,000 not applicable $31.90 + your plan premium above $133,500 up to $160,000 above $267,000 up to $320,000 not applicable $51.40 + your plan premium above $160,000 and less than $500,000 above $320,000 and less than $750,000 above $85,000 and less than $415,000 $70.90 + your plan premium $500,000 or above $750,000 and above $415,000 and above $77.40 + your plan premium -
Late enrollment penalty:
You may owe a late enrollment penalty if, for any continuous period of 63 days or more after your Initial Enrollment Period is over, you go without one of these:
- A Medicare Prescription Drug Plan (Part D)
- A Medicare Advantage Plan (Part C) (like an HMO or PPO)
- Another Medicare health plan that offers Medicare prescription drug coverage
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Creditable prescription drug coverage
In general, you'll have to pay this penalty for as long as you have a Medicare drug plan. The cost of the late enrollment penalty depends on how long you went without Part D or creditable prescription drug coverage. Learn more about the Part D late enrollment penalty.
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Deductibles, copayments, & coinsurance:
The amount you pay for Part D deductibles, copayments, and/or coinsurance varies by plan. Look for specific Medicare drug plan costs, and then call the plans you're interested in to get more details.
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