On November 6, 2020, the Centers for Medicare & Medicaid Services (CMS) released the 2021 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs.
Medicare Part B Premiums/Deductibles
Medicare Part B covers physician services, outpatient hospital services, certain home health services, durable medical equipment, and certain other medical and health services not covered by Medicare Part A.
Each year the Medicare premiums, deductibles, and coinsurance rates are adjusted according to the Social Security Act. For 2021, the Medicare Part B monthly premiums and the annual deductible are higher than the 2020 amounts. The standard monthly premium for Medicare Part B enrollees will be $148.50 for 2021, an increase of $3.90 from $144.60 in 2020. The annual deductible for all Medicare Part B beneficiaries is $203 in 2021, an increase of $5 from the annual deductible of $198 in 2020.
The Part B premiums and deductible reflect the provisions of the Continuing Appropriations Act, 2021 and Other Extensions Act (H.R. 8337).
CMS is committed to empowering beneficiaries with the information they need to make informed decisions about their Medicare coverage options, including providing new tools to help them make those decisions through the eMedicare initiative. In addition to the recently released premiums and cost sharing information for 2021 Medicare Advantage and Part D plans, we are releasing the premiums and cost sharing information for Fee-for-Service Medicare, so beneficiaries understand their options for receiving Medicare benefits. As previously announced, average 2021 premiums for Medicare Advantage plans are expected to decline 34.2 percent from 2017 while plan choices, benefits, and enrollment continue to increase. The Medicare Advantage average monthly premium will be the lowest in fourteen years (since 2007). Premiums and deductibles for Medicare Advantage and Medicare Part D Prescription Drug plans are already finalized and are unaffected by this announcement.
Medicare Part B Income-Related Monthly Adjustment Amounts
Since 2007, a beneficiary’s Part B monthly premium is based on his or her income. These income-related monthly adjustment amounts affect roughly 7 percent of people with Medicare Part B. The 2021 Part B total premiums for high-income beneficiaries are shown in the following table:
Premiums for high-income beneficiaries who are married and lived with their spouse at any time during the taxable year, but file a separate return, are as follows:
Medicare Part A Premiums/Deductibles
Medicare Part A covers inpatient hospital, skilled nursing facility, and some home health care services. About 99 percent of Medicare beneficiaries do not have a Part A premium since they have at least 40 quarters of Medicare-covered employment.
The Medicare Part A inpatient hospital deductible that beneficiaries will pay when admitted to the hospital will be $1,484 in 2021, an increase of $76 from $1,408 in 2020. The Part A inpatient hospital deductible covers beneficiaries’ share of costs for the first 60 days of Medicare-covered inpatient hospital care in a benefit period. In 2021, beneficiaries must pay a coinsurance amount of $371 per day for the 61st through 90th day of a hospitalization ($352 in 2020) in a benefit period and $742 per day for lifetime reserve days ($704 in 2020). For beneficiaries in skilled nursing facilities, the daily coinsurance for days 21 through 100 of extended care services in a benefit period will be $185.50 in 2021 ($176.00 in 2020).
Enrollees age 65 and over who have fewer than 40 quarters of coverage and certain persons with disabilities pay a monthly premium in order to voluntarily enroll in Medicare Part A. Individuals who had at least 30 quarters of coverage or were married to someone with at least 30 quarters of coverage may buy into Part A at a reduced monthly premium rate, which will be $259 in 2021, a $7 increase from 2020. Certain uninsured aged individuals who have less than 30 quarters of coverage and certain individuals with disabilities who have exhausted other entitlement will pay the full premium, which will be $471 a month in 2021, a $13 increase from 2020.
For more information on the 2021 Medicare Parts A and B premiums and deductibles (CMS-8074-N, CMS-8075-N, CMS-8076-N), please visit:
- (CMS-8074-N)- https://www.federalregister.gov/public-inspection/2020-25024/medicare-program-cy-2021-inpatient-hospital-deductible-and-hospital-and-extended-care-services
- (CMS-8075-N): https://www.federalregister.gov/public-inspection/2020-25028/medicare-program-cy-2021-part-a-premiums-for-the-uninsured-aged-and-for-certain-disabled-individuals
- (CMS-8076-N): https://www.federalregister.gov/public-inspection/2020-25029/medicare-program-medicare-part-b-monthly-actuarial-rates-premium-rates-and-annual-deductible
If you want to know what Medicare covers in 2020 check out the Medicare & You 2020 Handbook – Link to handbook at bottom of this page
Here you can:
• Learn about your Medicare choices. There are 2 main ways to get your Medicare coverage—Original Medicare and Medicare Advantage. See the next few pages
to learn more.
• Find out how and when you can sign up. If you don’t have Medicare Part A or Part B, see Section 1, which starts on page 15. If you don’t have Medicare prescription drug coverage (Part D), see Section 6, which starts on page 73. There may be penalties if you don’t sign up when you’re first eligible.
• If you have other health insurance, see pages 20–21 to find out how it works with Medicare.
If you already have Medicare:
• You don’t need to sign up for Medicare each year. However, you should review your Medicare health and prescription drug coverage and make changes if it no
longer meets your needs or if you could lower your out-of-pocket expenses.
• Mark your calendar with these important dates! This may be the only chance you have each year to make changes to your coverage.
Medicare & You 2020 Handbook
Gynecology, often grouped with obstetrics, is a branch of medicine that specializes in the diagnosis and treatment of diseases of the female reproductive organs, according to the National Cancer Institute. Gynecology also specializes in other women’s health issues, such as menopause, hormone problems, contraception and infertility. Original Medicare Part B (medical insurance) covers a number of important gynecology services.
What gynecology services does Medicare cover?
One role of gynecology is to screen for cancer. Pelvic exams and pap tests to check for cervical and vaginal cancer are covered once every 24 months for all women with Medicare Part B, as long as your doctor accepts Medicare. If you’re at high risk for cervical or vaginal cancer or if you’re of childbearing age and had an abnormal Pap test in the past 36 months, you qualify for these gynecology screenings once every 12 months under Medicare.
As part of the gynecology exam, women are also covered for a clinical breast exam to check for breast cancer. In addition, women ages 35 to 39 with Medicare can get one baseline mammogram, and women age 40 and older with Medicare can get a screening mammogram every 12 months. The provider must accept Medicare assignment. If a diagnostic mammogram is required, then you would have to pay 20% of the Medicare-approved amount, and the Part B deductible applies.
Women might also ask their gynecologists about sexually transmitted infections (STI) screenings and counseling, another important part of gynecology. Part B covers tests for chlamydia, gonorrhea, syphilis, and/or hepatitis B once every 12 months or at certain times during pregnancy.
Medicare will also cover up to two individual behavioral counseling sessions each year for sexually active adults who are determined by a health-care provider to be at increased risk for STIs. There’s generally no cost for STI screenings or counseling for a Medicare beneficiary as long as the provider accepts Medicare assignment.
Medicare may cover other health issues in the field of gynecology, such as endometriosis, incontinence, uterine fibroids, ovarian cysts, and urinary tract infections.
Want to learn more about how Medicare covers gynecology?
You may able to obtain Medicare coverage beyond the benefits offered by Original Medicare, Part A and Part B through a Medicare Advantage plan. Want to learn more? I can help. Use one of the links below to set up a phone call or get an email with personalized information. Use the Compare Plans buttons on this page.
Call Medicare.com’s licensed insurance agents at 1-844-847-2660, TTY users 711; Monday through Friday, 8AM to 8PM ET.
Reprinted content from an article by Victoria Burke and appears at Medicare.com under articles and the coverage category.
Medicare is a health insurance program for:
- People age 65 or older.
- People under age 65 with certain disabilities.
- People of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant).
Medicare has different parts that help cover specific services:
Medicare Part A (Hospital Insurance) – Part A helps cover inpatient care in hospitals, including critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover hospice care and some home health care. Beneficiaries must meet certain conditions to get these benefits. Most people don’t pay a premium for Part A because they or a spouse already paid for it through their payroll taxes while working.
Medicare Part B (Medical Insurance) – Part B helps cover doctors’ services and outpatient care. It also covers some other medical services that Part A doesn’t cover, such as some of the services of physical and occupational therapists, and some home health care. Part B helps pay for these covered services and supplies when they are medically necessary. Most people pay a monthly premium for Part B.
Medicare Part D (Prescription Drug Coverage) – Medicare prescription drug coverage is available to everyone with Medicare. To get Medicare prescription drug coverage, people must join a plan approved by Medicare that offers Medicare drug coverage. Most people pay a monthly premium for Part D.
If you’re a person with Medicare or help a person with Medicare, visit Medicare.gov to find more information about Medicare.