Which options are right for you?

There are several things to consider when deciding on your Medicare coverage.

Types of Medicare

Medicare covers services and supplies considered medically necessary to treat a disease or condition. Medicare Advantage plans offer the same types of coverage and are provided by private insurance companies.

Prescription Drugs

To get Medicare drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare. Each plan can vary in cost and drugs covered.

Supplemental Coverage

You may want to get coverage to help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles. You can choose to buy a Medigap policy from a private company.

2018 costs at a glance

Part A premium Most people don’t pay a Part A premium because they paid Medicare taxes while working. If you don’t get premium-free Part A, you pay up to $422 each month.
Part A hospital stay

 You pay: 

  • $1,340 deductible per benefit period
  • $0 for the first 60 days of each benefit period
  • $335 per day for days 61–90 of each benefit period
  • $670 per "lifetime reserve day" after day 90 of each benefit period (up to a maximum of 60 days over your lifetime)
Part A skilled nursing facility stay

 You pay: 

  • $0 for the first 20 days of each benefit period
  • $167.50 per day for days 21–100 of each benefit period
  • All costs for each day after day 100 of the benefit period
Part B premium The standard Part B premium amount is $134 or higher depending on your income. However, most people who get Social Security benefits pay less than this amount ($130 on average).
Part B deductible and coinsurance $183 per year
Part C premium The Part C monthly premium varies by plan.
Part D premium The Part D monthly premium varies by plan (higher-income consumers may pay more).


To help cover the costs of what medicare does not pay, you can choose a Medicare Supplemet plan, or "Medigap".

See Medigap Rates