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Will Medicare Costs Go up in 2019? – Frequently Asked Questions

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Medicare costs like premiums, copayments, coinsurance, and deductibles may change from year to year. Here’s what to expect when it comes to Medicare costs in 2019.

2019 Medicare costs for Part A

Medicare Part A covers inpatient hospital and skilled nursing care services, as well as hospice care. Most people don’t pay a premium for Part A if they’ve worked at least 10 years (40 quarters) and paid Medicare taxes, or if they qualify through their spouse’s employment history. If you haven’t worked long enough, however, you may owe a premium.

In 2019, the Medicare cost for your Part A monthly premium is $437 if you worked less than 30 quarters. If you worked between 30 to 39 quarters, your premium is $237.

The Medicare cost for hospital inpatient care went up slightly in 2019:

  • The 2019 Part A deductible is $1,364for each benefit period.
  • You pay nothing for the first 60 days of each benefit period.
  • You owe a $341 daily coinsurance for days 61 to 90 of each benefit period.
  • You owe a $682 daily coinsurance for each “lifetime reserve day” used in days 91 and beyond (you get up to 60 days over your lifetime).
  • Once you’ve used up your lifetime reserve days, you pay all Medicare costs.

The Medicare cost for skilled nursing facility care also went up in 2019:

  • You pay nothing for the first 20 days of each benefit period.
  • You owe a daily $170.50coinsurance for days 21 to 100 of each benefit period.
  • You pay all Medicare costs for days 101 and beyond.

2019 Medicare costs for Part B

Medicare Part B covers a variety of outpatient services, including doctor visits, lab work, and durable medical equipment.

Your Medicare costs for Part B may vary, depending on your situation:

The standard Part B premium is $135.50 in 2019 (you may pay more based on your income). In 2019, the Medicare cost for the Part B annual deductible is $185.

2019 Medicare costs for Part C (Medicare Advantage)

Medicare Advantage (or Part C) plans are an alternative way to get your Original Medicare coverage. Because these plans are offered through Medicare-approved private insurance companies, benefits and Medicare costs may vary. Check with your specific Medicare Advantage plan to learn more about your Medicare costs for 2019 and if they will change.

2019 Medicare costs for Part D

Similarly, Medicare Part D (prescription drug coverage) is available through Medicare-contracted private insurance companies,  and Medicare costs depend on your specific plan. Contact your Medicare plan to find out if the Medicare costs for your prescription drug coverage have changed for 2019.

Similar to Part B, some people pay higher Medicare costs for their Part D premiums if they make above a certain amount. If your modified adjusted gross income from your 2017 tax return is above a certain amount, you may have an income-related monthly adjustment added to your Part D premium, and your Medicare costs could be more.

While deductibles vary by plan, no Medicare plan with prescription drug benefits may have a deductible higher than $415 in 2019.

Remember, many factors may affect your Medicare costs for prescription drug coverage, including your specific plan, the cost of the medications you take, and whether you get Extra Help.

2019 Medicare costs for Medicare Supplement

Medicare Supplement (Medigap) coverage works alongside your Original Medicare benefits to cover certain out-of-pocket costs. Medicare costs vary depending on your specific plan, so contact your insurance company for more information.

Certain Medicare costs may change in 2019, depending on which of the 10 standardized plan types you have:

  • In 2019, the out-of-pocket maximum for Plan K is $5,560, while the maximum for Plan L is $2,780. After you reach this amount, your Medicare Supplement plan covers all Medicare costs for covered services for the rest of the year.
  • The annual deductible for the high-deductible version of Plan F is $2,300 in 2019. Your Medicare-covered costs must reach this amount before benefits begin. 

If you’re concerned about Medicare costs and would like help finding a plan in your budget, I can show you options.

To get started, simply click the Get Quotes button to schedule a phone call or to request a personalized email.

Our Licensed Insurance Agents can help you to:
  • Compare plans for free
  • Estimate your savings
  • Enroll in Medicare plan

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