Medicare Overview

Medicare Benefits

Choosing A Medicare Plan

Enrollment

Medicare Eligibility

Medicare Costs

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Medicare Part A (Hospital Insurance)

Premium – as long as you or your spouse paid Medicare taxes for more than ten years, the Medicare Part A premium is free.

If you or your spouse did not pay Medicare taxes, then your Part A premium will be the following:

• $244/month – paid Medicare taxes for less than 10 years but more than 7.5 years.
• $443/month – paid Medicare taxes for less than 7.5 years

Out of Pocket Costs (Hospital Services):

Hospital Stay	Your cost	Notes
Days: 1 – 60	$1,068.00 deductible	The deductible is not an annual deductible but rather a deductible for each hospital stay as long as the hospital stay doesn’t happen 60 days from your last hospital stay.
Days: 61 – 90	$267.00 per day
Days: 91 – 150	$534.00 per day
Days: 150+	No coverage	After 150 days in the hospital, the Medicare beneficiary is required to pay the full hospital costs.

Skilled Nursing Facility (SNF)

Hospital Stay	Your cost	Notes
Days: 1 – 20	$0.00	The first 20 days in a Skilled Nursing Facility are paid for by Medicare.
Days: 21 – 100	$133.00 per day
Days: 100+	No coverage	After 100 days in a skilled nursing facility, you are required to pay the full healthcare costs.

Out Of Pocket Costs (Home Health) – there are no copays, coinsurance, or deductibles for home healthcare, but you are required to meet a number of guidelines in order to be eligible to receive home healthcare.

Out of Pocket Costs (Hospice) – there are no copays, coinsurance or deductibles for hospice care except for outpatient drugs ($5 copay) and inpatient respite care (5% coinsurance).