Medicare for Beginners
Medicare is a federal health insurance program primarily for people age 65 and older, though some younger individuals with disabilities also qualify. It helps cover hospital care, doctor visits, and other medical services to make healthcare more affordable during retirement.
There are different parts of Medicare that each cover specific needs, and understanding how they work can help you choose the right coverage for your lifestyle and budget.
This section is designed to help you understand your Medicare insurance options and guide you toward the plan that best fits your individual needs.
If you have any questions or need personal assistance, don’t hesitate to reach out — we’re here to help every step of the way. For more information, watch the video below!
Medicare 2025 Costs at a Glance
| 2025 Costs at a Glance | |
|---|---|
| Part A premium | Most people don't pay a monthly premium for Part A (sometimes called "premium-free Part A"). If you paid Medicare taxes less than 30 quarters, the standard Part A premium is $518 in 2025. If you paid Medicare taxes for 30-39 quarters, the standard Part A premium is $285 in 2025. |
| Part A hospital and inpatient deductible | You pay: |
| • $1,676 deductible for each benefit period | |
| • Days 1-60: $0 coinsurance for each benefit period | |
| • Days 61-90: $419 coinsurance per day of each benefit period | |
| • Days 91 and beyond: $838 coinsurance per each "lifetime reserve day" after day 90 for each benefit period (up to 60 days over your lifetime) | |
| • Beyond lifetime reserve days: all costs | |
| Part B premium | Most people pay $185.00 each month (or higher depending on your income). |
| Part B deductible and coinsurance | $257. After your deductible is met, you typically pay 20% of the Medicare-approved amount for most doctor services (including most doctor services while you're a hospital inpatient), outpatient therapy, and durable medical equipment. |
| Part C premium | Part C monthly premium varies by plan |
| Part D premium | The Part D monthly premium varies by plan (higher-income consumers may pay more) |
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