Costs of Original Medicare

Part A:

• Home Health Care: $0 for home health care services and 20% of the Medicare-approved amount for Durable medical equipment (DME).
• Hospice Care: $0 for hospice care, no more than a $5 copayment for each prescription drug, 5% of the Medicare-approved amount for inpatient care. Room and board are not covered.
• Hospital Inpatient Stays: $1,408 deductible for each benefit period, $0 coinsurance for each benefit period for the first 60 days, $352 coinsurance per day of each benefit period up to 90 days, $704 coinsurance per each “lifetime reserve day” after day 90 for each benefit period.
• Mental Health Inpatient Stays: 20% of the Medicare-approved amount for mental health services you get from doctors and other providers while you’re a hospital inpatient.
• Skilled Nursing Facility Stay: $0 for each benefit period for the first 20 days, $176 coinsurance per day of each benefit period up to 100 days, all costs beyond 100 days must be paid out-of-pocket.

Part B:

• Deductible Percentages: After your deductible is met, most pay about 20% of most doctor services, outpatient therapy, and durable medical equipment (DME). You pay $0 for clinical laboratory services.
• Home Healthcare: $0 for home health care services and 20% of durable medical equipment (DME) costs.
• Outpatient Mental Healthcare: $0 for depression screenings if accepted, 20% of the Medicare-approved amount for visits to your doctor or other healthcare providers, and additional copayments/coinsurance for outpatient visits.

You will also be required to pay a yearly deductible and monthly premium. The monthly premium you receive is dependent on your income. For Part B, the standard premium is $144.60, and the yearly deductible is $198.

Many people are eligible for premium-free Medicare Part A:

• You are 65 or older and currently receive Social Security or Railroad Retirement Board (RRB) Benefits.
• You are 65 or older and eligible for these benefits but have not yet applied.
• You or your spouse are 65 or older and have/had Medicare-covered by government employment.
• You are under 65 and received Social Security or RRB disability benefits for at least 24 months.
• You are under 65 and have End-Stage Renal Disease (ESRD).

If you do not meet these requirements, your Part A premium is based on your income, the average charge being $252 in 2020.