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Medicare Deductible for 2013

2013 Medicare Deductible

What is my medicare deductible for 2013, is one of the most common questions that comes up relating to medicare. On this page we will discuss the medicare deductibles for Medicare Part A (hospitals) and Medicare Part B (physician services). The annual medicare deductible can change from year to year and this posting is updated annually.

Medicare Deductible Part A

The US Medicare program for seniors covers medicare members for inpatient hospitalization, skilled nursing facilities and certain home health care costs. For every benefit period Medicare pays for all covered costs with the exception the Medicare Part A deductible or Medicare Inpatient Deductible of (2013 = $1,184) during the first 60 days and coinsurance amounts for hospital visits that go beyond 60 days and no more than 150 days.

For every benefit period you are responsible for:

  • A total of $1,184 for a hospital stay of 1-60 days.
  • $296 per day for days 61-90 of a hospital stay.
  • $592 per day for days 91-150 of a hospital stay (Lifetime Reserve Days)*.
  • All costs for each day beyond 150 days

Coinsurance for Skilled Nursing Facility

  • $0 for the first 20 days each benefit period.
  • $148 per day for days 21 through 100 each benefit period in 2013.
  • All costs for each day after day 100 in a benefit period.

After reviewing these medicare deductibles for Part A it might be a wise decision to review 2015 Medicare Advantage available in your state.

Medicare Deductible for Part B

Medicare Deductible for 2013Medicare Part B is for eligible physician services, outpatient hospital services, certain home health services and durable medical equipment. Medicare will pick up the major cost for these services. Medicare patients are responsible for paying the following medicare deductible. This is your Medicare Part B Deductible for 2013.

  • Part B Medicare Deductible Amount of $147.00 per year. (Note: You pay 20% of the Medicare-approved amount for services after you meet the $140.00 deductible.)

Medicare Deductible Part D

The AARP Public Policy Institute reviewed 10 stand-alone Medicare Part D (prescription drug plans) with the highest enrollments in 2011. Here are their findings listed below.

  • only one will have a monthly premium under $30.00
  • premiums for the other plans range from $34.10 to $46.80
  • seven will require annual deductibles ranging from $250 to $320

In summary your Part D premium and deductible will depend on which plan you purchase, but the maximum deductible on medicare Drug Plans is $320 for 2013 .

Medicare Costs and Deductibles

Medicare Costs and Deductibles video provided by Humana Medicare.

Medicare Costs and Deductibles video provided by Humana Medicare.
Find Humana Medicare Plans in your state.

Medicare Deductible News

Understanding Medicare Plans. The Jewish Press. Another major benefit of most Medicare Supplement plans is that they cover 100 of the part A 1,132 annual deductible and many other additional costs to the patient that Medicare Part A B do not cover. There are quite a few Medigap plans that. Understanding Medicare Plans The Jewish Press

Medicare basics What are the differences between the parts of Medicare A Healthier Michigan blog As you consider your plan options you will want to consider coverage needs and your out-of-pocket costs which includes your monthly premium the medicare deductible copayments and coinsurance. Other things to consider Is the doctor you see in the plan’s. Medicare basics What are the differences between the parts of Medicare A Healthier Michigan blog

Medicare rule changes affecting seniors. Lincoln City News Guard. Again it’s important to understand the difference in coverages and premiums before attempting changes so be sure to ask your agent about this as well. The Medicare Part B outpatient medicare deductible is going up just 5 from 140 to 147 annually. Medicare. Medicare rule changes affecting seniors Lincoln City News Guard

 

 

* Lifetime Reserve Days: In Original Medicare, these are additional days that Medicare will pay for when you are in a hospital for more than 90 days. You have a total of 60 reserve days that can be used during your lifetime. For each lifetime reserve day, Medicare pays all covered costs except for a daily coinsurance.

Medicare Deductible for 2013 Article Updated Feb 3, 2013


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