12/31/2025
*******Important Reminder for Medicare Beneficiaries!!!*****
Traditional Medicare (Original Medicare) has separate deductibles for Part A (hospital) and Part B (medical), with the 2026 amounts being $1,736 per benefit period for Part A and an annual $283 for Part B, after which you typically pay 20% coinsurance for most services. The Part A deductible resets with each new hospital benefit period, while the Part B deductible is a single yearly cost.
Medicare Part A (Hospital Insurance)
Deductible: $1,736 per benefit period (for 2026).
How it works: You pay this amount for inpatient hospital care for each benefit period; it's not an annual limit.
After deductible: You pay $0 for the first 60 days, then coinsurance for days 61-90, and even more for lifetime reserve days.
Medicare Part B (Medical Insurance - also covers some respiratory medications and durable medical items)
Deductible: $283 annually (for 2026).
How it works: This is the yearly amount you pay for most doctor visits and outpatient services before Medicare starts paying its share.
After deductible: You typically pay 20% of the Medicare-approved amount for most services. But, this may be covered if you have Gap Coverage.
