Medicare costs at a glance

• 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 $471 each month in 2021 ($499 in 2022). If you paid Medicare taxes for less than 30 quarters, the standard Part A premium is $471 ($499 in 2022). If you paid Medicare taxes for 30-39 quarters, the standard Part A premium is $259 ($274 in 2022).

• Late enrollment penalty:
  • 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.)

Part A costs if you have Original Medicare

• Home health care

  • $0 for home health care services.
  • 20% of the 
    Medicare-approved amount
     for 
    Durable Medical Equipment (DME)
    .

• 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
    Medicare Drug Coverage (Part D)
  • You may need to pay 5% of the 
    Medicare-approved amount
     for inpatient
    respite 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).

• Hospital inpatient stay

  • $1,484 (1,556 in 2022)
    deductible
    for each
    benefit period
    .
  • Days 1–60: $0
    coinsurance
    for each benefit period.
  • Days 61–90: $371 ($389 in 2022) coinsurance per day of each benefit period.
  • Days 91 and beyond: $742 ($778 in 2022) 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.

  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.

• Mental health inpatient stay

  • $1,484 ($1,556 in 2022)
    deductible
    for each
    benefit period
    .
  • Days 1–60: $0
    coinsurance
    per day of each benefit period.
  • Days 61–90: $371 ($389 in 2022) coinsurance per day of each benefit period.
  • Days 91 and beyond: $742 ($778 in 2022) 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.

  There's no limit to the number of benefit periods you can have when you get mental health 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.

• Skilled nursing facility stay

  • Days 1–20: $0 for each
    benefit period
    .  
  • Days 21–100: $185.50 ($194.50 in 2022)
    coinsurance
    per day of each benefit period.
  • Days 101 and beyond: All costs.

• Monthly premium: 

• 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% of the standard premium 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

• Part B annual deductible:

  In 2021, you pay $203 ($233 in 2022) for your Part B 

  deductible

  . After you meet your deductible for the year, 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
  • Durable Medical Equipment (Dme)

• Clinical laboratory services: 

  You pay $0 for Medicare-approved services.

• Home health services:

  • $0 for home health care services.
  • 20% of the
    Medicare-Approved Amount
     for
    durable medical equipment (dme)
    .
• 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] .

• 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 other
    health care provider
     to diagnose or treat your condition. The Part B
    deductible
    applies.
  • If you get your services in a hospital outpatient clinic or hospital outpatient department, you may have to pay an additional
    copayment
    or 
    coinsurance
    amount to the hospital.

• 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 you get in a hospital outpatient setting or community mental health center, and the Part B 

  deductible

   applies.

• 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 outpatient services you get in a hospital than you’ll pay for the same care in a doctor’s office. However, the hospital outpatient
    copayment
    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
    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.

• Monthly premium:

The Part C monthly 

• 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.

• Monthly premium: The Part D monthly 

  premium
   varies by plan (higher-income consumers may pay more).

• 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) or another Medicare health plan that offers Medicare prescription drug coverage
• 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.

• 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.