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Original Medicare has two parts: Part A for hospital insurance and Part B for medical insurance. Each covers different services and has different costs for the beneficiary. Both Part A and Part B have deductibles that you may need to pay before certain benefits are covered.
Medicare Part A benefits include inpatient hospital care, skilled nursing facility care, home health services, and hospice.
For a hospital stay, you usually have to pay the Part A hospital inpatient deductible, which is $1364 in 2019 for each benefit period. You may have other costs for the specific health-care services you receive while in the hospital. On the 61st day of a hospital stay, you would also start to have coinsurance costs. Your coinsurance costs depend on the length of your stay:
For home health-care services, all costs are covered under Medicare Part A for a limited time under certain conditions. However, if your doctor orders durable medical equipment and supplies as part of your care, you’ll pay 20% of the Medicare-approved amount for the equipment.
For hospice care, all costs are covered, with some exceptions:
Medicare Part B benefits include (but aren’t limited to) doctor’s office visits, preventive screenings, and durable medical equipment. For some of these services, a deductible will apply, and Part B deductible is $185 in 2019. Often, you will pay 20% of the Medicare-approved amount for a health-care service after this deductible is met. Make sure to check with your doctor and Medicare because each benefit’s coverage is different.
To get help paying for your Medicare deductibles, you might consider a Medicare Supplement (Medigap) insurance plan. If you have Original Medicare, you can get this additional insurance to help cover some of your Medicare expenses. There are 10 standardized Medigap plans that are available in most U.S. states; Massachusetts, Minnesota, and Wisconsin have their own types of Medicare Supplement insurance plans. Not every Medigap plan covers the Part A and/or Part B deducible, but most of the standardized plans cover at least one of these deductibles in full or partially.
If you’re concerned about Medicare deductibles and planning for future costs, you may want to consider all your options, including Medicare Supplement insurance plans. To get help finding a Medicare insurance plan, you can type your zip code into the form on this page to see a list of Medicare plans in your vicinity.
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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.