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2018 Medicare Costs

 

 

2018 F+ (High-Deductible Plan-F) deductible is $2,240 (an increase of only $40 from 2017)

 

2017 & 2018 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 $413 each month ($422 in 2018). If you paid Medicare taxes for less than 30 quarters, the standard Part A premium is $413 ($422 in 2018). If you paid Medicare taxes for 30-39 quarters, the standard Part A premium is $227 ($232 in 2018).
Part A hospital inpatient deductible and coinsurance

 You pay: 

  • $1,316 deductible for each benefit period ($1,340 in 2018)
  • Days 1-60: $0 coinsurance for each benefit period ($0 in 2018)
  • Days 61-90: $329 coinsurance per day of each benefit period ($335 in 2018)
  • Days 91 and beyond: $658 coinsurance per each "lifetime reserve day" after day 90 for each benefit period (up to 60 days over your lifetime) ($670 in 2018)
  • Beyond lifetime reserve days: all costs (all costs in 2018)

Part B premium

More Part B Info.

The standard Part B premium amount is $134 (or higher depending on your income) ($134 in 2018). However, some people who get Social Security benefits will pay less than this amount ($109 on average in 2017; $130 on average in 2018).
Part B deductible and coinsurance $183 per year ($183 in 2018). 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 The Part C monthly premium varies by plan. Compare costs for specific Part C plans. 
Part D premium The Part D monthly premium varies by plan (higher-income consumers may pay more). Compare costs for specific Part D plans.

 

The standard Part B premium amount in 2018 will be $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.)
  • 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].

  • 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.

 

  • Part B annual deductible:

    You pay $183 per year for your Part B deductible ($183 in 2018). 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
    • Durable medical equipment
  • Clinical laboratory services:

 You pay $0 for Medicare-approved 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.

 

Note

In 2017 and 2018, there may be limits on physical therapy, occupational therapy, and speech language pathology services. If so, there may be exceptions to these limits. 

 

  • 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 a 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 provided in a hospital outpatient setting or community mental health center, and the Part B deductible applies.

  • Outpatient hospital services:

    • You generally pay 20% of the Medicare-approved amount for the doctor or other health care provider's services, and the Part B deductible applies.
    • For all other services, you also generally pay a copayment for each service you get in an outpatient hospital setting. You may pay more for services you get in a hospital outpatient setting than you would pay for the same care in a doctor's office.
    • For some screenings and preventive services, coinsurance, copayments, and the Part B deductible don't apply (so you pay nothing).