Medicare Deductibles

The 2022 deductible for Medicare Part A is $1,556 for each benefit period: $0 for days 1-60, $389 coinsurance per day for days 61-90 and $778 per each "lifetime reserve day" after 91 days. The Medicare Part B deductible is $233. Once met, you pay 20 percent of the Medicare-approved amount for most doctor services, outpatient therapy and durable medical equipment.

Key Takeaways
  • Medicare deductibles are reset each year and the dollar amount may be subject to change.
  • Both Medicare Parts A and B have deductibles that must be met before Medicare starts paying.
  • Medicare Advantage, Medigap and Part D plans are all sold by private insurance companies that set their own deductibles.
Bob Glaze, Medicare Expert at RetireGuide.com, explains what a Medicare deductible is.

Deductibles for Original Medicare

Medicare premiums, deductibles and coinsurance rates for Original Medicare are adjusted each year. Original Medicare includes Medicare Part A hospital insurance and Part B medical insurance. Each has different deductibles.

Check Your Deductible
You can find out if you’ve met your Medicare Part A or Part B deductible for the year at MyMedicare.gov.

Medicare Part A Deductible

Medicare Part A covers certain hospitalization costs, including inpatient care in a hospital, skilled nursing facility care, hospice and home health care. It does not cover long-term custodial care.

For 2022, the Medicare Part A deductible is $1,556 for each benefit period. If you re-enter the hospital or skilled nursing facility any time after your benefit period ends, you will have to pay the first $1,556 again as a new deductible.

What Is a Benefit Period?
This is how Medicare measures your use of inpatient hospital care or services in a skilled nursing facility. The benefit period begins the day you enter the hospital or facility and ends after you have not needed inpatient care for 60 days in a row.

Medicare Part B Deductible

For 2022, your Medicare Part B deductible is $233. That’s a $30 increase over 2021.

Unlike Medicare Part A, there is no benefit period tied to Medicare Part B.

After meeting the deductible, you’ll usually have to pay 20 percent of the Medicare-approved costs for most doctor services, outpatient care and durable medical equipment — things such as wheelchairs or walkers your doctor may order for you.

Learn more about how to determine when you've met your Medicare deductible from Bob Glaze, Medicare Expert at RetireGuide.com.

Deductibles for Drug Coverage and Medicare Advantage

Deductibles for Medicare Part C, also known as Medicare Advantage plans, and Medicare Part D prescription drug coverage varies based on the plan you purchase. Both Medicare Advantage and Part D plans are sold by private insurers that have contracts with the Medicare program.

Medicare Advantage plans may offer coverage that absorb some of your out-of-pocket costs. Though Medicare Advantage deductibles may vary, all plans must set a limit on your maximum out-of-pocket (MOOP) expenses. This is a total spread across your deductibles, coinsurance and copayments.

For 2021, the MOOP for Medicare Advantage plans is $7,550 for in-network care. It can be higher for out-of-network care or services. But once you hit your MOOP for the year, the plan has to cover 100 percent of all further costs.

Some Medicare Part D prescription drug plans don’t have a deductible. Those that do may not have a deductible of more than $480 in 2022.

Your Guide to Medicare Open Enrollment for 2022 Prepare for Medicare Open Enrollment
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Using Medigap to Pay Medicare Deductibles

Medigap, also known as Medicare Supplement plans, can help pay some of your out-of-pocket costs, including your Medicare Part A deductibles.

These plans are sold through private insurers. There are eight standardized plans across 47 states and the District of Columbia. There are different standardized plans for Minnesota, Massachusetts and Wisconsin.

Each plan has a letter for a name. Some of these plans may cover all or a portion of your Part A deductible.

Medigap Plan Coverage of Part A Deductibles
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Medigap Plans C and F were the only two to cover the deductible for Medicare Part B. However, Plans C and F are available only to people who became eligible for Medicare before Jan. 1, 2020.

Frequently Asked Questions About Medicare Deductibles

Does Medicare have a deductible?
Yes, you have to pay a deductible if you have Medicare. You will have separate deductibles to meet for Part A, which covers hospital stays, and Part B, which covers outpatient care and treatments.
What is the Medicare deductible for 2022?
The Part A deductible for 2022 is $1,556 for each benefit period. The Part B deductible is $233. You will usually then pay 20 percent of the cost for anything covered by Part B after you have met your deductible.
How do Medicare deductibles work?
A deductible is the amount of money that you have to pay out-of-pocket before Medicare begins paying for your health costs. For example, if you received outpatient care or services covered by Part B, you would then pay the first $233 to meet your deductible before Medicare would begin covering the remaining cost.
Last Modified: November 18, 2021

7 Cited Research Articles

  1. Tyko, K. (2019, November 9). Medicare Part B Premium 2020: Rates and Deductibles Rising 7% for Outpatient Care. Retrieved from https://www.usatoday.com/story/money/2019/11/09/medicare-part-b-2020-deductibles-premiums-increasing/2541901001/
  2. U.S. Centers for Medicare & Medicaid Services. (2019, November 22). Chapter 3 - Deductibles, Coinsurance Amounts, and Payment Limitations. Retrieved from https://www.cms.gov/Regulations-and-Guidance/Guidance/Manuals/downloads/ge101c03.pdf
  3. U.S. Centers for Medicare & Medicaid Services. (2019, November 8). 2020 Medicare Parts A & B Premiums and Deductibles. Retrieved from https://www.cms.gov/newsroom/fact-sheets/2020-medicare-parts-b-premiums-and-deductibles
  4. Livingston, S. (2019, November 8). Drug Spending Drives Higher 2020 Medicare Part B Premiums, Deductibles. Retrieved from https://www.modernhealthcare.com/medicare/drug-spending-drives-higher-2020-medicare-part-b-premiums-deductibles
  5. U.S. Centers for Medicare & Medicaid Services. (n.d.). Medicare Costs at a Glance. Retrieved from https://www.medicare.gov/your-medicare-costs/medicare-costs-at-a-glance
  6. U.S. Centers for Medicare & Medicaid Services. (n.d.). How to compare Medigap policies. Retrieved from https://www.medicare.gov/supplements-other-insurance/how-to-compare-medigap-policies
  7. Humana. (n.d.). Deductibles for Medicare Part A and Part B. Retrieved from https://www.humana.com/medicare/part-a-b-deductibles-review