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What Are the Medicare Costs for 2019?

Medicare costs change each year, but nothing should break your budget.

February 19, 2018 - By HealthCare.com Staff - read

There aren’t many surprises for Medicare costs in 2019. Still, prices have risen slightly this year. You’ll also get a new Medicare card in the mail for free.

You can avoid many of the charges below by adding Medicare Supplement or Medicare Advantage coverage.

Part A  |  Part B  |  Part C  |  Part D

Medicare Part A Costs

Medicare Part A covers inpatient stays – including hospital and hospice costs. You need to keep Part A and B to get supplemental coverage.

2019 Part A Monthly Premium

  • Most people don’t pay a Part A premium – so, $0 per month – because they paid Medicare taxes while working.
  • If you didn’t qualify for premium-free Part A, you’ll pay up to $437 per month.
    • If you almost qualified for premium-free Part A by working 30 quarters, you’ll pay up to $240 per month.

2019 Medicare Hospital Stay

A benefit period begins once you’re admitted to the hospital. In 2019, you’ll pay:

  • $1,364 deductible per benefit period (this was $1,340 in 2018)
  • $0 for the first 60 days of each benefit period
  • $341 per day for days 61–90 of each benefit period (this was $335 in 2018)
  • $682 per “lifetime reserve day” after day 90 of each benefit period, up to a maximum of 60 days over your lifetime (this was $670 in 2018)

Some Medicare Supplement plans pay for these costs in full.Medicare Part A skilled nursing facility | HealthCare.com

2019 Skilled Nursing Facility Medicare Stay

In 2019, you pay:

  • $0 for the first 20 days of each benefit period
  • $170.50 per day for days 21–100 of each benefit period
  • All costs for each day after day 100 of the benefit period

Certain Medicare Supplement plans completely cover these costs.

Medicare costs | HealthCare.com

Medicare Part B Costs

Medicare Part B generally covers outpatient care – including general practitioners and same-day procedures. You need Part A and B to get supplemental coverage.

2019 Part B Monthly Premium

The standard Part B premium in 2019 is $135.50 per month.

However, if your Medicare premiums are paid directly from your Social Security benefits, Medicare cannot cause you to receive less Social Security than you did in the previous year. Accordingly, most people who receive Social Security benefits pay less than $135.50.

You pay the standard premium amount (or higher) if:

  • You enroll in Part B for the first time in 2019.
  • You don’t get Social Security benefits.
  • You’re directly billed for your Part B premiums.
  • You’re dual-eligible for Medicare and Medicaid, and Medicaid pays your premiums. (Your state will pay the standard premium amount of $135.50 in 2019.)
  • Your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount.

If you’re in 1 of these 5 groups, here’s what you’ll pay:

If your yearly income
in 2017 was:
You pay
(in 2019):
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 $135.50
above $85,000
up to $107,000
above $170,000
up to $214,000
not applicable $189.60
above $107,000
up to $133,500
above $214,000
up to $267,000
not applicable $270.90
above $133,500
up to $160,000
above $267,000
up to $320,000
not applicable $352.20
above $160,000
up to $500,000
above $320,000
up to $750,000
above $85,000
up to $415,000
$433.40
above $500,000 above $750,000 above $415,000 $460.50

If you pay a Part B late enrollment penalty, these amounts may be higher.

2019 Part B Deductible

The Medicare Part B deductible is $185 per year. Once you spend this amount, Medicare will contribute to your medical costs.

Medicare Advantage (Part C) Costs

Medicare Part C is an optional replacement for Part A and Part B. Part C members still pay Part B premiums, and also join a private insurance plan.

Medicare Advantage Premiums

Average Medicare Advantage premiums are projected to drop to $28.00 in 2019. Although each Medicare Advantage plan is different, the government believes that monthly Medicare Advantage premiums will have actually decreased by $3.72 per month over the past 3 years!

Calling an agent via HealthCare.com is an easy way to compare Medicare Advantage prices. You can also use HealthCare.com’s plan comparison tool to check out Medicare Advantage in your area.

2019 Medicare Advantage Maximum Out-of-Pocket Cost

In 2019, the maximum out-of-pocket cost for those with Medicare Advantage is $6,700. You won’t have to pay a penny more than this amount for services that would have been covered under Original Medicare (Parts A & B).

However, this only applies to services that would have been covered under Original Medicare. Additional services in certain Part C plans – such as Silver Sneakers, weight loss programs or RX drugs –  can exceed this limit.

Medicare Part D costs | pill price tag

Medicare Prescription Drug Plans (Part D) Costs

Medicare Part D is optional RX drug help that works with Medicare. People cannot be denied coverage due to health reasons.

2019 Part D Maximum Deductible

For standalone Part D coverage, the maximum annual deductible is $405, meaning there is no increase over last year.

2019 Part D Monthly Premium

Average Part D premiums are expected to fall to $32.50 in 2019. The average Part D premium has been between $30 and $35 per month for over a decade.

The chart below shows your estimated prescription drug plan monthly premium based on your income. If your income is above a certain limit, you will pay an income-related monthly adjustment amount in addition to your plan premium.

If your yearly income
in 2017 was:
You pay
(in 2019):
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 Your plan premium
above $85,000
up to $107,000
above $170,000
up to $214,000
not applicable $12.40 + your plan premium
above $107,000
up to $133,500
above $214,000
up to $267,000
not applicable $31.90 + your plan premium
above $133,500
up to $160,000
above $267,000
up to $320,000
not applicable $51.40 + your plan premium
above $160,000
up to $500,000
above $320,000
up to $750,000
above $85,000
up to $415,000
$70.90 + your plan premium
above $500,000 above $750,000 above $415,000 $77.40 + your plan premium

2019 Part D Initial Coverage Period

For standard Part D plans, the initial coverage period lasts until you spend $3,820 per year in out-of-pocket coinsurance. Part D enrollees are required to pay 25% of costs for covered drugs during this period.

2019 Part D National Base Beneficiary Premium

The Part D base premium is $33.19, a decrease of $1.83 from last year. This figure is used to estimate the Part D late enrollment penalty and the income-related monthly adjustment amounts listed in the table above. The national base beneficiary premium amount can change each year.

What if I’m Paying More Due to My 2017 Income?

Income-based Medicare charges are tied to your tax returns from two years ago. These extra costs are not permanent. If you report less income on your tax return in 2018 and beyond, then you’ll begin to pay less for Medicare coverage.

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Source for most charges: CMS 2019 Fact Sheet and CMS Product No. 11579, Revised December 2017

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