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If you’re on Medicare, or soon will be eligible for Medicare, you will be happy to know that Medicare covers a lot of medical and preventive care. However, there are some out-of-pocket costs you may have to pay.
Let’s look at the Medicare premiums and deductibles for 2019. We’ll also show you how your income and certain coverage choices may affect your actual monthly Medicare premiums. Keep in mind that Medicare deductibles and premiums can change every year.
There are a few different Medicare deductibles in 2019, but not all of them may apply to you. Your costs related to Medicare deductibles in 2019 depends on what Medicare coverage you have.
Maybe you’re enrolled in Original Medicare, Part A and Part B. This is the federal Medicare program. Many people are automatically enrolled when they become eligible, and some have to sign up. Some people decide to delay Part B enrollment – for example, because they’re still covered under an employer- or union-based health plan. Since you generally pay a Part B premium, and since Part B is medical insurance, you might choose to delay this coverage until your other coverage ends.
You might have other Medicare deductibles if:
This is not an annual Medicare deductible, but is “per benefit period.” A benefit period starts the day you’re admitted as an inpatient in a hospital or skilled nursing facility (SNF). The benefit period ends when you haven’t gotten any inpatient hospital care (or skilled care) for 60 days in a row. If you are admitted to the hospital or SNF later in the same year, you begin a new benefit period and must pay another $1,364 Medicare Part A deductible.
After you have met your deductible for the benefit period, you usually pay coinsurance under Medicare Part A for covered services while you’re in the hospital or SNF.
If you are enrolled in a Medicare Advantage plan, your deductible (if any) and cost-share amounts are set by the plan. Some Medicare Advantage plans may have deductibles as low as $0.
Just as with your Medicare deductibles, your Medicare premiums in 2019 correspond to the types of Medicare coverage you have. It’s possible to have a few different Medicare premiums – for example, your Part A, Part B, and Part D premiums.
If you haven’t worked while paying taxes long enough to qualify for premium-free Part A, here’s what you pay per month in 2019.
If your income is above a certain amount, your Part B premium in 2019 might be higher.
As with stand-alone Medicare Part D prescription drug plans, Medicare Advantage plans set their own premiums. They may vary from one plan to another. Some Medicare Advantage plans have premiums as low as $0.
It’s important to note that you must continue to pay your Medicare Part B premium when you have a Medicare Advantage plan. Of course, you also need to pay the Medicare Advantage premium, if it charges one.
Note: People with low incomes and limited resources might qualify for state assistance in paying Medicare premiums and/or deductibles, coinsurance, and copayments. For more information, contact your state health insurance assistance program (SHIP) – go to https://www.shiptacenter.org/.
Do you have questions about your Medicare coverage options and what premiums and deductibles they may have? You can call us and speak with a licensed eHealth insurance agent. Click Browse Plans to start comparing plans instantly.
eHealth's Medicare website is operated by eHealthInsurance Services, Inc., a licensed health insurance agency doing business as eHealth. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. eHealth and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from a number of insurance companies.