What else does it cost?
We’ve already seen that Medicare Part B will cost us at least $185.00 per month, but what other costs are there? You may remember we mentioned earlier that Original Medicare functions much like an 80/20 plan where Medicare will cover 80% of approved hospital and medical bills, but you are responsible for the remaining 20%.
The below tables list your exact costs for Parts A & B of Medicare in 2025.
We’ve already seen that Medicare Part B will cost us at least $185.00 per month, but what other costs are there? You may remember we mentioned earlier that Original Medicare functions much like an 80/20 plan where Medicare will cover 80% of approved hospital and medical bills, but you are responsible for the remaining 20%.
The below tables list your exact costs for Parts A & B of Medicare in 2025.
Medicare Part A
Hospitalization
YOU PAY
Medicare Part B
Doctors & Medical
YOU PAY
Medicare Part A
Hospitalization
1 - 60 Days
You Pay: $1676
Part A Deductible
61 - 90 Days
You Pay: $419 per day
91 - 150 Days
You Pay: $838 per day
Additional 365 Days
You Pay: All Costs
Skilled Nursing Facility
1 - 20 Days
You Pay: $0
Skilled Nursing Facility
21 -100 Days
You Pay: $209.50 per day
Medicare Part B
Doctors & Medical
Annual Part B Deductible
You Pay: $257
Doctor Copay
You Pay: 20%
Outpatient Services
You Pay: 20%
Surgical Services
You Pay: 20%
Durable Medical Equipment
You Pay: 20%
Radiation Therapy
You Pay: 20%
1 - 60 Days
$1676
Annual
Deductible
$257
61 - 90 Days
$419 per day
Doctor
Copay
20%
91 - 150 Days
Lifetime Reserve Days
$838 per day
Outpatient
Services
20%
Additional 365 Days
All Costs
Surgical
Services
20%
Skilled Nursing
1 - 20 Days
$0
Durable Medical
Equipment
20%
Skilled Nursing
21 -100 Days
$209.50 per day
Radiation Therapy
20%
Two of the most common myths about Medicare are that it’s free and it covers everthing. As you can see very quickly, not only is it not free, but it definitely doesn’t cover everything and leaves you with some significant exposures.
To cover these gaps, many people will purchase a Medicare Supplement plan, also known as a Medigap Policy. Continue reading the next page to learn about Medigap Policies.
This is a proprietary website and is not associated with, endorsed, or authorized by Medicare or the federal government.
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.
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