Health Insurance Medicare Medicare Part A Costs in 2019 How to Budget Your Health Expenses Print By Tanya Feke, MD | Reviewed by Richard N. Fogoros, MD Updated November 01, 2018 Hero Images / Getty Images More in Health Insurance Medicare Healthcare Reform Affordable Care Act & Obamacare Medicaid Prescription Drug Insurance Financial Aid & Subsidies More Types The Centers for Medicare and Medicaid Services has announced Medicare costs for 2019. Everyone, regardless of their income, will be subjected to increases in out of pocket spending. Use these numbers to guide your healthcare expenses in the new year. Part A Premiums Medicare Part A is premium-free for 99 percent of Americans. This is because most people have paid into the system for years with employee taxes for both Medicare and Social Security. If someone has not contributed 40 quarters (10 years) or more of Medicare taxes, however, they will be required to pay premiums for Medicare as follows. Quarters of Medicare Taxes Paid Your 2019 Costs Change from 2018 40 quarters or more $0 per month No change 30-39 quarters $237 per month$2,844 per year $5 increase per month$60 increase per year Less than 30 quarters $437 422 per month$5,244 per year $15 increase per month$180 increase per year 2019 Part A Premiums It is in your best interest to work up to 40 quarters if possible. This could mean delaying your retirement until you have met enough quarters of federally taxed employment. If you work 40 or more quarters, it could save you tens of thousands of dollars in Part A premiums over your lifetime. This could have a significant impact on your ability to retire comfortably. The good news is that if you have not worked 40 quarters yourself, you may qualify for free Part A premiums based on your spouse's employment history. This applies as long as you are married or you remain single after divorcing someone you were married to for at least 10 years. You may be eligible to use your spouse's record if you are widowed too. The only rule is that you remain single and were married to your spouse for at least 9 months before they passed away. The rules for people who remarry can get a little tricky. Please note that any money you earn "under the table" will not count towards your eligibility for free Part A premiums since there are no documented taxes. Part A Deductibles and Copayments Hospital costs and skilled nursing facility costs, not surprisingly, are on the rise. In 2018, the average monthly rate for a semi-private room is $7,441. For a private room, the cost goes up to $8,365. That's $89,297 and $100,375 per year respectively. If you live in Alaska, Connecticut, Hawaii, Massachusetts or New York expect to pay more. These are the most expensive states for nursing home care in the country. A flat deductible rate is charged for each inpatient admission, this includes coverage for inpatient only surgeries. This deductible covers all costs up to 60 days with the exception of physician fees which are covered by Part B. After 60 days, you are charged a copayment for each additional day you are hospitalized. Day of Inpatient Hospital Care Your 2019 Costs Change from 2018 Inpatient hospital deductible days 0-60 $1,364 per hospital stay $24 total increase Inpatient hospital copayment days 61-90 $341 per day $6 per day increase Inpatient hospital copayment days 91+ $682 per day $12 per day increase 2019 Part A Inpatient Hospital Stay Costs There has never been a deductible for the first 20 days of care received at a skilled nursing facility stay (SNF) immediately following an inpatient hospital stay. Things can get tricky here because some people are placed under observation rather than admitted as an inpatient. Simply staying overnight in the hospital does not make you an inpatient. Day of SNF Care Your 2019 Costs Change from 2018 SNF days 0-20 $0 No change SNF days 21-100 $170.50 per day $3 per day increase SNF days 100+ All costs paid out of pocket by beneficiary No change 2019 Part A Skilled Nursing Facility (SNF) Costs The bad news is that Medicare does not pay for care that is not associated with a hospital stay. People in need of long-term care will need to find another way to pay for a nursing home. For that reason, many seniors also need to sign up for Medicaid. A Word from Verywell If you are lucky, you will never need to use Medicare Part A. You would never need hospitalization, you would never need a skilled nursing facility and you would never need hospice care. Ultimately, it is important to have this coverage should you ever need it and to know how much it would cost. Was this page helpful? Thanks for your feedback! Stay up-to-date on the latest health trends and studies. Email Address Sign Up There was an error. Please try again. Thank you, , for signing up. What are your concerns? Other Inaccurate Hard to Understand Submit Article Sources Genworth. Compare Long Term Care Costs Across the United States. https://www.genworth.com/aging-and-you/finances/cost-of-care.html Medicare.gov. Part A costs. Continue Reading Article How Much Medicare Part B Will Cost You in 2019 Article How Do You Qualify for Medicare Part A Hospital Insurance? Article How Much Medicare Part D Will Cost You in 2019 Article How Much Money Will Be Eaten Up by the Medicare Part D Donut Hole Article Medicare and Social Security: How Part A Ties Them Together Article What You Should Know About Medicare Part B Article Medicare Bills for Time: The 2-Midnight Rule and the SNF 3-Day Rule Article Use a Medicare Savings Program to Pay Off Your Medicare Bills Article What Happens When Medicare Runs Out of Money? Article How Medicare Benefits Change After Marriage, Divorce, or Being Widowed Article How Much Does COBRA Health Insurance Cost? 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