What are the Out-of-Pocket Costs of Medicare?

What Does Medicare Pay For?

The chart below shows what Medicare Parts A & B cover as well as the out-of-pocket costs you're responsible for covering.

- Medicare Part A: Hospital Coverage
- Features
- What Medicare Pays
- What You Pay
- First 60 Days
- What Medicare Pays
- What You Pay
- All except $1,408
  (Part A deductible)
- $1,408
- Coinsurance 61-90 Days
- What Medicare Pays
- What You Pay
- All except $352 a day
- $352 a day
- Coinsurance 91-150 Days
- What Medicare Pays
- What You Pay
- All except $704 a day
- $704 a day
- Coinsurance 150+ Days
- What Medicare Pays
- What You Pay
- Nothing
- Eligible expenses for 365 days lifetime
- Blood
- What Medicare Pays
- What You Pay
- All except three pints
- Three pints
- Skilled Nursing Facility Care for First 20 Days
- What Medicare Pays
- What You Pay
- 100%
- $0
- Skilled Nursing Facility Care Coinsurance 21-100 Days
- What Medicare Pays
- What You Pay
- All except $176 a day
- $176 a day
- Skilled Nursing Facility Care Coinsurance 101+ Days
- What Medicare Pays
- What You Pay
- Nothing
- All
- *Plan N requires $20 copayment for office visits; $50 copayment for emergency room visits. Copayments do not count toward the annual Part B deductible.

- Medicare Part B: Medical Coverage
- Features
- What Medicare Pays
- What You Pay
- Part B Deductible
- What Medicare Pays
- What You Pay
- Nothing
- $198
- Coinsurance
- What Medicare Pays
- What You Pay
- Generally 80% of Medicare approved expenses
- Generally 20% of Medicare approved expenses
- Excess Charges
- What Medicare Pays
- What You Pay
- Nothing
- All
- Blood
- What Medicare Pays
- What You Pay
- All except three pints
- Three pints
- *Plan N requires $20 copayment for office visits; $50 copayment for emergency room visits. Copayments do not count toward the annual Part B deductible.

- Hospice Care
- Features
- What Medicare Pays
- What You Pay
- Hospice Care
- What Medicare Pays
- What You Pay
- 100%
- Medicare co-insurance / co-payment
- *Plan N requires $20 copayment for office visits; $50 copayment for emergency room visits. Copayments do not count toward the annual Part B deductible.

- Other Benefits
- Features
- What Medicare Pays
- What You Pay
- Emergency Care Received outside the U.S.
- What Medicare Pays
- What You Pay
- Nothing
- All costs
- *Plan N requires $20 copayment for office visits; $50 copayment for emergency room visits. Copayments do not count toward the annual Part B deductible.