Medicare Premiums for 2009:

Part A: (Hospital Insurance) Premium

Most people do not pay a monthly Part A premium because they or a spouse have 40 or more quarters of Medicare-covered employment.

• The Part A premium is $0 for people having 40 or more quarters of Medicare-covered employment.

• The Part A premium is $244.00 per month for people having 30-39 quarters of Medicare-covered employment.

• The Part A premium is $443.00 per month for people who are not otherwise eligible for premium-free hospital insurance and have less than 30 quarters of Medicare-covered employment.

Part B: (Medical Insurance) Premium

• $96.40 per month*

Medicare Deductible and Coinsurance Amounts for 2009:

Part A: (pays for inpatient hospital, skilled nursing facility, and some home health care) For each benefit period Medicare pays all covered costs except the Medicare Part A deductible during the first 60 days and coinsurance amounts for hospital stays that last beyond 60 days and no more than 150 days.

For each benefit period you pay:

• A total of $1,068 for a hospital stay of 1-60 days

• $267 per day for days 61-90 of a hospital stay

• $534 per day for days 91-150 of a hospital stay (Lifetime Reserve Days)

• All costs for each day beyond 150 days

Skilled Nursing Facility Coinsurance

$133.50 per day for days 21 through 100 each benefit period. Your supplemental Medicare insurance (MediGap) policy may cover your skilled nursing facility co-insurance.

Part B: (covers Medicare eligible physician services, outpatient hospital services, certain home health services, durable medical equipment)

Part B Deductible: $135.00 per year.
You pay 20% of the Medicare-approved amount for services after you meet the $135.00 deductible. Your Supplemental Medicare insurance (MediGap) policy may pay all or part of your 20%.

*Note: If your income is above $85,000 (single) or $170,000 (married couple), then your Medicare Part B premium may be higher than $96.40 per month.

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