Medicare Costs for 2025

Medicare costs change each year. This post will highlight Medicare costs for 2025. Part A, Part B, and Part D. For more detailed information go to Welch Insurance for Medicare.

Original Medicare is Part A, which helps pay for hospitals, and Part B which helps pay for doctors and outpatient services. Original Medicare does not include Part D drug coverage. You must get your Part D drug coverage through an independent insurance company.

Part A    

• Deductible:        days 01 through 60   $1,676        per benefit period
• Hospitalization: days 61 through 90    $419         per day
• Hospitalization: days 90 through 150  $838         per day
• Hospitalization: days 151 and beyond 100%        you pay all costs
• Skilled nursing: days 1 through 20      $0            you pay nothing

NOTE: For skilled nursing, you must be confined to a hospital for 3 days before being transferred to skilled nursing.

• Skilled nursing: days 21 through 100  $209         per day
• Skilled nursing: days 100 and beyond 100%        you pay all costs

Part B

• Deductible:                       $257                    Annually
• Medical expenses:            20%                    you pay
• Excess Doctor charges:  100%                   you pay all costs

Part D

• Deductible                            $0 to $545     
• Initial coverage                     $2,000            what you pay in total
• Catastrophic coverage         $0                   after you pay $2,000

Conclusion:

As you can see there are costs to Medicare Part A and Part B, and they do not give you Part D drug coverage. To cover these costs, you should look at a Medicare Advantage Plan or a Medicare Supplement Plan with a Part D drug plan. Other Medicare considerations include Premiums for Part A and Part B, IRMAA (Income Related Monthly Adjusted Account), and possible penalties for Part A, Part B, and Part D.

To compare Medicare Advantage Plans, Medicare Supplement Plans, or Part D Drug plans in your area and live in one of the following states, tap on the state: Arizona, California, Nevada, Oregon, or Washington.

Call 800-641-3315 and ask for Roy.

Or SCAN the QR Code below.

If you live near Huntington Beach, California and would like a local Independent Medicare Agent with experience, please visit Welch Insurance for Medicare.