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 

, how much you'll pay for an item or service you got, or the status of a 

), 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.

Detailed Medicare cost information for 2020 & 2021

Medicare Part A (Hospital Insurance) costs

• 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 $458 each month in 2020 ($471 in 2021). If you paid Medicare taxes for less than 30 quarters, the standard Part A premium is $458 ($471 in 2021). If you paid Medicare taxes for 30-39 quarters, the standard Part A premium is $252 ($259 in 2021).

• 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

  • $0 for home health care services.
  • 20% of the Medicare-approved amount for Durable medical equipment (DME) [Glossary] .

• 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

  • $1,408 ($1,484 in 2021) Deductible [glossary] for each Benefit period .
  • Days 1–60: $0 Coinsurance for each benefit period.
  • Days 61–90: $352 ($371 in 2021) coinsurance per day of each benefit period.
  • Days 91 and beyond: $704 ($742 in 2021) 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.

  Note
  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

  • $1,408 ($1,484 in 2021) Deductible [glossary] for each Benefit period .
  • Days 1–60: $0 Coinsurance per day of each benefit period.
  • Days 61–90: $352 ($371 in 2021) coinsurance per day of each benefit period.
  • Days 91 and beyond: $704 ($742 in 2021) 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.

  Note
  There's no limit to the number of benefit periods you can have when you get mental health care 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: $176 ($185.50 in 2021) Coinsurance per day of each benefit period.
  • Days 101 and beyond: all costs.

Medicare Part B (Medical Insurance) costs

• Monthly premium: 

2020

The standard Part B premium amount in 2020 is $144.60. 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 2018 (for what you pay in 2020) was			You pay each month (in 2020)
File individual tax return	File joint tax return	File married & separate tax return
$87,000 or less	$174,000 or less	$87,000 or less	$144.60
above $87,000 up to $109,000	above $174,000 up to $218,000	Not applicable	$202.40
above $109,000 up to $136,000	above $218,000 up to $272,000	Not applicable	$289.20
above $136,000 up to $163,000	above $272,000 up to $326,000	Not applicable	$376.00
above $163,000 and less than $500,000	above $326,000 and less than $750,000	above $87,000 and less than $413,000	$462.70
$500,000 or above	$750,000 and above	$413,000 and above	$491.60

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 and above	$412,000 and above	$504.90

• 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 2020, you pay $198 ($203 in 2021) for your Part B 

  Deductible [glossary]

  . 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) [Glossary]

• 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) [Glossary] .
• 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 [glossary] 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 [glossary]

   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 [glossary] 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.

Medicare Part C (Medicare Advantage)

• Monthly premium:

The Part C monthly 

Premium

 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 

  Premium

   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.

2020

If your filing status and yearly income in 2018 was
File individual tax return	File joint tax return	File married & separate tax return	You pay each month (in 2020)
$87,000 or less	$174,000 or less	$87,000 or less	your plan premium
above $87,000 up to $109,000	above $174,000 up to $218,000	not applicable	$12.20 + your plan premium
above $109,000 up to $136,000	above $218,000 up to $272,000	not applicable	$31.50 + your plan premium
above $136,000 up to $163,000	above $272,000 up to $326,000	not applicable	$50.70 + your plan premium
above $163,000 and less than $500,000	above $326,000 and less than $750,000	above $87,000 and less than $413,000	$70.00 + your plan premium
$500,000 or above	$750,000 and above	$413,000 and above	$76.40 + 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 and above	$412,000 and above	$77.10 + 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
• 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.