Medicare has out of pocket costs that you may not be aware of. Learn about Medicare expenses associated with health conditions like diabetes.


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Coverage for those 65+ or eligible due to certain health conditions.

Stand-alone plans for dental, vision and hearing care.

Coverage for adults and children who qualify based on income.

New to Medicare? Here's a great place to get started.

Learn about Medicare Advantage, RX and Medicare Supplement plans.

Understand the rules for who can enroll and when.

Understanding Medicare enrollment periods

How do I enroll in a Medicare Part D plan?

View your plan details, see claims, pay your premium and more.

Find care near you and explore ways to live your healthiest life.

Fill a prescription, find a pharmacy, check if your drugs are covered and more.

Manage CenterWell Pharmacy® prescriptions

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View plan info and stay up-to-date on MyHumana.

Complete activities. Earn Points. Reward yourself.

Order, refill and track prescriptions online or with the app.

Understanding Medicare's out-of-pocket costs

One of the first things you probably want to know when considering a Medicare plan is what it covers. That makes perfect sense, but it’s important to know what Medicare doesn’t cover, as well. Those numbers can add up.

For example, you might be surprised to learn that Original Medicare offers limited coverage for most dental services,1 most corrective lenses2 or hearing aids.3 So if a dental visit for a toothache turns into a $1,000 bill for a root canal, you’ll pay that out of pocket.

And the next time you really can’t find your glasses? Yep, you’ll be paying out-of-pocket for a new pair.

Add to that out-of-pocket costs for plan copays, deductibles and monthly premiums and you might start feeling the pinch.

An unexpected illness or injury requiring a hospital stay can send those numbers through the roof.

Explore Medicare

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Here’s a helpful snapshot of your choices

People who’ve worked for 10 years or more, and had Social Security taxes withheld, generally don’t have to pay a premium for Part A.

Part A deductible and coinsurance4

<ul>


 <li>$1,676 deductible for each benefit period*</li>


 <li>Days 1–60: $0 coinsurance for each benefit period</li>


 <li>Days 61–90: $419 coinsurance per day of each benefit period</li>


 <li>Days 91 and beyond: $838 coinsurance per each &quot;lifetime reserve day&quot; after day 90 for each benefit period (up to 60 days over your lifetime)</li>


 <li>Beyond lifetime reserve days: all costs</li>


 </ul>

The standard Part B monthly premium amount in 2025 is $185 or higher, depending on your income

Part B deductible and coinsurance6

In 2025, the annual deductible for Part B coverage is $257, after which you typically pay 20% of the Medicare-approved amount for most doctor services, outpatient therapy, and durable medical equipment (DME)

There is no maximum out-of-pocket limit with Original Medicare

Part D premiums, deductibles and copays vary by plan
 <a href="/medicare/part-d-drug-plans">See costs for our Medicare prescription drug plans</a>

There is a monthly premium for these plans. Medicare Supplement plans help pay some of the healthcare costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles. They generally don't cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing. <a href="/medicare/medicare-supplement-plans">See costs for our Medicare Supplemental plans</a>

Optional supplemental benefits: vision, dental and fitness

There is a monthly premium for these plans.

 
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Part C premiums, deductibles and copays vary by plan.
 <a href="/medicare/medicare-advantage-plans">Compare costs for Humana’s Medicare Advantage (Part C) plans</a>.

All Medicare Advantage plans offer an annual maximum out-of-pocket limit.

A man stands near his mailbox and smiles at a package he received.

A couple sits at a table and reads a booklet with their agent.

A woman in an exam chair smiles while talking with her dentist. 

“Dental Services,” Medicare.gov, last accessed Nov. 12, 2024.

“Eyeglasses & Contact Lenses,” Medicare.gov, last accessed Nov. 12, 2024.

“Hearing aids,” Medicare.gov, last accessed Nov. 12, 2024.

“Medicare costs at a glance,” Medicare.gov, last accessed Nov. 12, 2024.



	Costs
Part A premium
Part A deductible and coinsurance⁴	$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 premium⁵	The standard Part B monthly premium amount in 2025 is $185 or higher, depending on your income
Part B deductible and coinsurance⁶	In 2025, the annual deductible for Part B coverage is $257, after which you typically pay 20% of the Medicare-approved amount for most doctor services, outpatient therapy, and durable medical equipment (DME)
Annual maximum out-of-pocket costs

	Costs
Part D premium (prescription drug plan)
Medicare Supplement insurance
Optional supplemental benefits: vision, dental and fitness	There is a monthly premium for these plans.