Part A (Hospital Insurance)
Helps cover:
- Inpatient care in hospitals
- includes your semi-private room, meals and nursing care in special units (like ICU)
- drugs administered in the hospital and medical supplies in hospital
- lab tests, x-rays and medical equipment in hospital
- operating room and recovery room services
- skilled nursing services
- some blood transfusions
- psychiatric care
- Part-time skilled care for homebound
- Hospice care, including meds to manage symptoms
- Rehabilitation services after qualified inpatient stay
- Home health care
Part A Premiums
Generally, individuals will pay $0 for Part A premium, depending how long you or your spouse have paid into Medicare taxes. You can get more information at
https://www.medicare.gov/basics/costs/medicare-costs
Part B (Medical Insurance)
Helps cover:
- Services from physicians and other health care providers
- Outpatient hospital services
- An annual wellness visit
- Many preventive services, such as vaccines and mammograms
- Clinical laboratory services and diagnostic tests, like blood and urine tests
- X-rays, MRIs, CT scans, EKGs, and other diagnostic tests
- Some health programs, like smoking cessation and obesity
- Physical, occupational and speech-language therapy
- Diabetes screenings, education and certain supplies
- Mental health care
- Durable medical equipment not covered under Part A for use at home, like wheelchairs, walkers, hospital beds, and other equip
- Ambulatory surgery centers, ambulance and emergency room services
- Chemotherapy provided on an outpatient basis
- Chiropractic services for limited situations
- Covers a limited number of outpatient prescription drugs under certain conditions. Typically, Part B covers drugs you wouldn’t give to yourself, like those you get at a doctor’s office or in a hospital outpatient setting such as injectable osteoporosis drugs or oral end-stage renal disease (ESRD) drugs
Part B Premiums
In 2025, the standard monthly premium for Part B is $185.00. Most individuals pay the standard monthly premium. However, some individuals pay more based on their income (as reported to the IRS two years prior in 2023).
In 2025, individuals pay the following amounts for Part B services covered under Original Medicare;
- A $257 annual deductible
- After the deductible is satisfied, individuals typically pay 20% of the Medicare-approved cost for Part B covered services
- Individuals have no cost-sharing for most preventive services