Part A premium

YOU PAY:

• $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 $506 each month for Part A, depending on how long you or your spouse worked and paid Medicare taxes.

Part A hospital and inpatient deductible

YOU PAY:

 You pay: 

• $1,600 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.

• Days 1-60: $0 after you pay your Part A deductible.
• Days 61-90: $400 copayment each day.
• Days 91-150: $800 copayment each day while using your 60 lifetime reserve days.
• After day 150: You pay all costs.

Part B premium

YOU PAY:

• $164.90 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.

Part B deductible and coinsurance

YOU PAY:

• $226. After your deductible is met, you typically 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.

Part C premium

YOU PAY:

• Part C monthly premium varies by plan

Part D premium

YOU PAY:

• The Part D monthly premium varies by plan (higher-income consumers may pay more)