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
policy, or you join a
Part A (Hospital Insurance) costs
|Part A costs:||What you pay in 2023:|
|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 $506 each month for Part A, depending on how long you or your spouse worked and paid Medicare taxes.
|Deductible||$1,600 for each inpatient hospital benefit period before Original Medicarestarts to pay.|
|Skilled nursing facility stay||
|Home health care||$0 for covered home health care services.
20% of the
for durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment)
|Hospice care||$0 for covered hospice care services.
You may also pay:
Part B (Medical Insurance) costs
|Part B costs:||What you pay in 2023:|
|Premium||$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.
|Deductible||$226, 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
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||
|Inpatient hospital care||20% of the
for most doctor services while you’re a hospital inpatient.
|Outpatient mental health care||
|Partial hospitalization mental health care||After you meet the Part B deductible:
|Outpatient hospital care||
Medicare Advantage Plan (Part C) costs
|Medicare Advantage Plan costs:||What you pay in 2023:|
|Premiums & other costs (like deductibles, copayments, & coinsurance)||Varies by plan. These amounts can change each year.|
|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 costs:||What you pay in 2023:|
|Premium||Varies by plan. You may have to pay more, depending on your income.
Avoid paying a penalty:
|Deductibles, copayments, & coinsurance||Varies by plan and pharmacy. Find Medicare drug plans in your area, and compare their costs and coverage.|
Medicare Supplemental Insurance (Medigap)
|Medigap costs:||What you pay in 2023:|
|Premium||Varies based on which
policy you buy, where you live, and other factors. The amount can change each year.
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