Part A is premium-free for many people who qualify. Part B usually has a monthly premium and annual deductible. Income-related adjustments may raise the premium. If a verified table for this year is unavailable, the estimator is disabled and directs you to Medicare.gov.
What Medicare costs
Estimate your current-year Part B premium
Social Security usually uses a tax return from two years earlier to set an income-based premium; it may use an earlier return if that one is unavailable. Choose the filing status and modified adjusted gross income (MAGI) range on the return Social Security uses. This is tax-return income, not current take-home pay or the income of everyone in your home.
Estimated current-year Part B premiumChecking current CMS figures…This is an estimate; Social Security makes the actual determination.
This estimate does not include a possible late-enrollment penalty. If Social Security has given you a different premium, or your income has fallen because of a qualifying life change, use its notice and ask about a review. Married people who filed separately but lived apart the entire year generally use the individual range. How Social Security sets premiums · Request an income-related premium review (SSA-44)
Help paying Medicare costs
Medicare Savings Programs are run by states. Depending on the program, they can pay the Part B premium and sometimes Medicare deductibles, coinsurance, and copayments. Income and resource rules vary by state; apply through your state even if you are unsure. Learn about Medicare Savings Programs.
Help with insurance premiums
The American Kidney Fund Health Insurance Premium Program (HIPP) may provide grants toward Part B and other insurance premiums for eligible people receiving dialysis. Ask your dialysis social worker about the application and other available assistance. Explore AKF HIPP.
Premium source: Medicare’s current cost information. The calculator displays an estimate only when it has a verified table for the displayed year.
Prescription coverage and Part D
Part D may help pay for drugs not covered by Part B. If you have other creditable drug coverage, check with that plan before joining Part D; a gap in creditable coverage can affect later costs.
