Medicare Changes in 2019 – Premiums and Costs

Liberty Medicare

The post below describes 2019 Medicare changes for Premiums and Costs for Medicare Part A, Part B as well as for Part D.

Medicare Part A Premiums and Costs in 2019

Medicare changes in 2019 for Part A include:

  • Part A premium
    • For individuals with 40 or more quarters of Medicare-covered employment: $0 per month ($0 in 2018)
    • For individuals with 30-39 quarters of Medicare-covered employment: $240 per month ($232 in 2018)
    • For individuals with less than 30 quarters of Medicare-covered employment: $437 per month ($422 in 2018)
  • Hospital Inpatient Stay
    • Deductible for days 1-60 of each benefit period: $1,364 (1,340 in 2018)
    • Coinsurance per day for days 1-60 of each benefit period: $0 ($0 in 2018)
    • Coinsurance per day for days 61-90 of each benefit period: $341 ($335 in 2018)
    • For days 91 and beyond: $682 per lifetime reserved day ($670 in 2018)
  • Mental Health Inpatient Stay
    • Deductible for days 1-60 of each benefit period: $1,364 (1,340 in 2018)
    • Coinsurance per day for days 1-60 of each benefit period: $0 ($0 in 2018)
    • Coinsurance per day for days 61-90 of each benefit period: $341 ($335 in 2018)
    • For days 91 and beyond: $682 per lifetime reserved day ($670 in 2018)
  • Skilled Nursing Facility Stay
    • $0 for the first 20 days of each benefit period ($0 in 2018)
    • $170.50 per day for days 21-100 of each benefit period ($167.50 in 2018)
    • Days 101 and beyond: all costs (all costs in 2018).

For more information, please visit Medicare costs at a glance.

Medicare Part B Premiums and Costs in 2019

Medicare 2019 changes for Part B include:

  • Part B annual deductible:
    • $185 ($183 in 2018)
  • Part B premium
    In 2019, the standard Part B premium amount will be $135.50 (or higher depending on your income).
  • Part B premium for higher income

    • If modified adjusted gross income is $85,000 or less for individual tax returns or $170,000 or less for joint tax returns: $135.50 per month
    • If modified adjusted gross income is $85,001 to $107,000 for individual tax returns or $170,001 to $214,000 for joint tax returns: $189.60 per month
    • If modified adjusted gross income is $107,001 up to $133,500 for individual tax returns or $214,001 up to $267,000 for joint tax returns: $270.90 per month
    • If modified adjusted gross income is $133,501 up to $160,000 for individual tax returns or $267,001 up to $320,000 for joint tax returns: $352.20 per month
    • If modified adjusted gross income is $160,001 up to $500,000 for individual tax returns or $320,001 up to $750,000 for joint tax returns: $433.40 per month
    • If modified adjusted gross income is above $500,000 for individual tax returns or above $750,000 for joint tax returns: $460.50 per month

Visit Medicare costs at a glance more information.

Medicare Changes in 2019 for the Part D

Medicare changes in 2019 for Part D include:

  • Yearly Deductible
    • You are responsible for the first $415 of drug costs ($405 in 2018)
  • Initial Coverage
    • The initial coverage (when you typically pay 25% of drug costs) starts after you’ve satisfied the yearly deductible and continues until the total drug costs (paid by you and your insurance company) reach $3,820 ($3,750 in 2018).
  • Coverage Gap
    • Once the total cost of prescriptions has reached $3,820, you are responsible for ALL drug costs until you’ve spent $5,100 out-of-pocket ($5,000 in 2018). During the gap period, you’ll pay the following amounts for your prescriptions: 25% from the price of brand drugs (35% in 2018) and 37% from the price of generic drugs (44% in 2018).
  • Catastrophic Coverage
    • Catastrophic coverage starts once you’ve spent $5,100 out-of-pocket ($5,000 in 2018). From then until the end of the calendar year, you are paying the greater of either a 5% coinsurance (the same as in 2018) or a small copayment: $3.40 for generic drugs ($3.35 in 2018) or $8.50 for brand name drugs ($8.35 in 2018).
  • Low Income Subsidy (LIS)
    • Maximum copayment for people qualified for LIS programs is $3.40 for generic or preferred drugs ($3.35 in 2018) or $8.50 for brand name drugs ($8.35 in 2018).

Medicare Part D Premium in 2019

  • Part D premium (based on on your filing status and yearly income in 2018)

    • If modified adjusted gross income is $85,000 or less for individual tax returns or $170,000 or less for joint tax returns, then you pay your plan premium.
    • If modified adjusted gross income is $85,001 to $107,000 for individual tax returns or $170,001 to $214,000 for joint tax returns, then you pay your plan premium + $13.00.
    • If modified adjusted gross income is $107,001 up to $133,500 for individual tax returns or $214,001 up to $267,000 for joint tax returns, then you pay your plan premium + $33.60.
    • If modified adjusted gross income is $133,501 up to $160,000 for individual tax returns or $267,001 up to $320,000 for joint tax returns, then you pay your plan premium + $54.20.
    • If modified adjusted gross income is above $160,000 for individual tax returns or above $320,000 for joint tax returns, then you pay your plan premium + $74.80.

Visit Medicare costs at a glance more information.

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