Your Medicare Out-of-Pocket Costs — 2018

Original Medicare helps cover numerous hospital and medical costs, but leaves some costs to you. These are known as out-of-pocket costs, and include deductibles, copayments, coinsurance and more. Your Medicare out-of-pocket costs can increase each year, so it's important to reevaluate your coverage regularly. 

Some of the Medicare out-of-pocket costs that you can expect to pay in 2018 include:

• Medicare Part A deductible: $1,340 per benefit period
• Medicare Part B deductible: $183 per year
• Part A coinsurance: $0 for days 1-60 spent in a hospital, $335 per day for days 61-90, $670 per each "lifetime reserve day" after day 90, all costs beyond lifetime reserve days
• Part B coinsurance: 20% of Medicare approved amount for services after deductible is met

Medicare Supplement Insurance Coverage for 2018 Medicare Costs

Medicare Supplement Insurance plans (also known asMedigap plans) help cover some of these out-of-pocket costs to make your medical spending more predictable.