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Medicare costs at a glance

 

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 deductible, how much you'll pay for an item or service you got, or the status of a  claim), log into your secure Medicare account.

Find out if Medicare covers a specific test, item or service that's not listed under the detailed Medicare cost information section of this page.

 
2021 costs at a glance
 
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 $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).
Part A hospital inpatient deductible and coinsurance You pay:
  • $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 for 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
Part B premium The standard Part B premium amount is $148.50 ($170.10 in 2022) (or higher depending on your income).
Part B deductible and coinsurance $203 ($233 in 2022). After your deductible is met, you typically pay 20% of the for most doctor services (including most doctor services while you're a hospital inpatient), outpatient therapy, and
Part C premium

The Part C monthly 

 varies by plan. Compare costs for specific Part C plans.
Part D premium The Part D monthly varies by plan (higher-income consumers may pay more). Compare costs for specific Part D plans.

Detailed Medicare cost information for 2021

Medicare Part A (Hospital Insurance)
  • Monthly :

    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

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.

  • Home health care

  • Hospice care

    • $0 for care.
    • You may need to pay a 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
    • You may need to pay 5% of the   for inpatient .
    • 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) for each .
    • Days 1–60: $0 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 : 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) for each .
    • Days 1–60: $0 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 : All costs.
    • 20% of the 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 .  
    • Days 21–100: $185.50 ($194.50 in 2022) per day of each benefit period.
    • Days 101 and beyond: All costs.
Medicare Part B (Medical Insurance)
  • Monthly premium: 

2021

The standard Part B premium amount in 2021 is $148.50. Most people 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 2019 (for what you pay in 2021) was You pay each month (in 2021)
File individual tax return File joint tax return File married & separate tax return
$88,000 or less $176,000 or less $88,000 or less $148.50
above $88,000 up to $111,000 above $176,000 up to $222,000 Not applicable $207.90
above $111,000 up to $138,000 above $222,000 up to $276,000 Not applicable $297.00
above $138,000 up to $165,000 above $276,000 up to $330,000 Not applicable $386.10
above $165,000 and less than $500,000 above $330,000 and less than $750,000 above $88,000 and less than $412,000 $475.20
$500,000 or above $750,000 or above $412,000 or above $504.90

 

2022

The standard Part B premium amount in 2022 is $170.10. Most people 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 2020 (for what you pay in 2022) was You pay each month (in 2022)
File individual tax return File joint tax return File married & separate tax return
$91,000 or less $182,000 or less $91,000 or less $170.10
above $91,000 up to $114,000 above $182,000 up to $228,000 Not applicable $238.10
above $114,000 up to $142,000 above $228,000 up to $284,000 Not applicable $340.20
above $142,000 up to $170,000 above $284,000 up to $340,000 Not applicable $442.30
above $170,000 and less than $500,000 above $340,000 and less than $750,000 above $91,000 and less than $409,000 $544.30
$500,000 or above $750,000 or above $409,000 or above $578.30
  • 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

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.

 

  • Part B annual deductible:

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

    . After you meet your deductible for the year, you typically pay 20% of the   for these:
  • Clinical laboratory services: 

    You pay $0 for Medicare-approved services.

  • Home health services:

  • Medical and other services:
    • You pay 20% of the  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   for visits to your doctor or other  to diagnose or treat your condition. The Part B applies.
    • If you get your services in a hospital outpatient clinic or hospital outpatient department, you may have to pay an additional or  amount to the hospital.
  • Partial hospitalization mental health services:

    You pay a percentage of the 

     for each service you get from a doctor or certain other qualified mental health professionals if your health care professional accepts  . You also pay   for each day of partial hospitalization services you get in a hospital outpatient setting or community mental health center, and the Part B   applies.
  • Outpatient hospital services:

    • You usually pay 20% of the???????  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 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 for each service.
    • The Part B deductible applies, except for certain . 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.
Medicare Part C (Medicare Advantage)
  • Monthly premium:

The Part C monthly 

 varies by plan.
  • 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.

Medicare Part D (Medicare Prescription Drug Coverage)
  • Monthly premium: The Part D monthly 

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

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.

2021

If your filing status and yearly income in 2019 was
File individual tax return File joint tax return File married & separate tax return You pay each month (in 2021)
$88,000 or less $176,000 or less $88,000 or less your plan premium
above $88,000 up to $111,000 above $176,000 up to $222,000 not applicable $12.30 + your plan premium
above $111,000 up to $138,000 above $222,000 up to $276,000 not applicable $31.80 + your plan premium
above $138,000 up to $165,000 above $276,000 up to $330,000 not applicable $51.20 + your plan premium
above $165,000 and less than $500,000 above $330,000 and less than $750,000 above $88,000 and less than $412,000 $70.70 + your plan premium
$500,000 or above $750,000 or above $412,000 or above $77.10 + your plan premium

2022

If your filing status and yearly income in 2020 was
File individual tax return File joint tax return File married & separate tax return You pay each month (in 2022)
$91,000 or less $182,000 or less $91,000 or less your plan premium
above $91,000 up to $114,000 above $182,000 up to $228,000 not applicable $12.40 + your plan premium
above $114,000 up to $142,000 above $228,000 up to $284,000 not applicable $32.10 + your plan premium
above $142,000 up to $170,000 above $284,000 up to $340,000 not applicable $51.70 + your plan premium
above $170,000 and less than $500,000 above $340,000 and less than $750,000 above $91,000 and less than $409,000 $71.30 + your plan premium
$500,000 or above $750,000 or above $409,000 or above $77.90 + 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) or another Medicare health plan that offers Medicare 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.