THE DIFFERENT PARTS OF MEDICARE
The FOUR Parts of Medicare
Part A
$0 Premium if you or your spouse paid Medicare taxes long enough while working - generally at least 10 years, or 40 quarters.
Inpatient/Hospital-
You pay: $1632 Deductible Days 1-60
($1676 in 2025)
Days 61-90: $408 per Day ($419 in 2025)
Days 91-150: $816 per Day ($838 in 2025)
After day 150: You pay all costs.
Inpatient Rehab/Skilled Nursing-
Days 1-20: $0
21-100: $204 per Day ($209.50 in 2025)
Days 101 and beyond: You pay all costs.
Part C
$0-$150 ($0-$247 in 2025)per month Premium Options
Medicare Advantage All In One HMO, PPO, PFFS
Forfeit Rights to Medicare
Networks
Max Out of Pocket from $2999-$14,000 (varies as it depends on the plan)
Most plans have Drug coverage
Some plans have gym options, dental, vision and other products.
*We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Part B
$174.70 per month Premium ($185 in 2025)
Outpatient/Does Not require overnight stay
You pay: $240 Deductible per year
($257 in 2025)
Medicare pays: 80% of costs
You pay: 20% of costs
No Networks
Part D
*$0.50-$150 per month Premium
a/k/a Prescription Drug Coverage
$545 yearly Deductible (may be waived for some medications) ($590 in 2025)
Pharmacy options:
Preferred & Standard (in & out of network)
Initial Phase: $5030
Coverage Gap/Donut Hole: $8000
You pay: 25%
NEW FOR 2025
Starting in 2025, all Medicare plans will include a $2,000 cap on what you pay out-of-pocket for prescription drugs **covered by your plan. If your out-of-pocket spending on covered drugs reaches $2,000 (including certain payments made on your behalf, like through the Extra Help program), you’ll automatically get “catastrophic coverage.” That means you won’t have to pay out-of-pocket for covered Part D drugs for the rest of the calendar year.
Plan G will cover all of Part A & Part B except for the Part B Deductible. You may have A, B, D & a Supplement OR A, B & C.
*Some pay more based on income (IRMAA) click HERE for more.
**Prescriptions that are not covered by your plan do not count towards the deductible.
TRADITIONAL MEDICARE
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