2025 Medicare Copay/Deductibles
The Centers for Medicare and Medicaid Services (CMS) have announced the 2025 Medicare Premiums and Copay/Deductibles.
Medicare Part B Premium
The Medicare Part B standard monthly premium will be $185 in 2025, compared to $174.70 in 2024.
Note: The income-related Part B premiums for 2025 will vary depending on the extent to which an individual beneficiary’s income exceeds $106,000 (or a married couple’s income exceeds $212,000).
| 2025 Income level- File Individual | 2025 Income Level-File Joint | 2025 Part B Premium |
| Less than or equal to $106,000 | Less than or equal to $212,000 | $185 |
| Greater than $106,000 and less than or equal to $133,000 | Greater than $212,000 and less than or equal to $266,000 | $259 |
| Greater than $133,000 and less than or equal to $167,000 | Greater than $266,000 and less than or equal to $334,000 | $370 |
| Greater than $167,000 and less than or equal to $200,000 | Greater than $334,000 and less than or equal to $400,000 | $480.90 |
| Greater than $200,000 and less than $500,000 | Greater than $400,000 and less than $750,000 | $591.90 |
| Greater than or equal to $500,000 | Greater than or equal to $750,000 | $628.90 |
2025 Medicare Deductible and Coinsurance Updates
As always, our 2025 Medicare supplement benefits match the federal program’s deductible and coinsurance increases, a distinct advantage in today’s ever-changing environment.
| 2025 Medicare Supplement Copay/Deductibles | ||
| Feature | 2024 Benefits | 2025 Benefits |
| Part A Inpatient Hospital Deductible | $1,632 | $1,676 |
| Hospital Coinsurance
61-90 days 91-150 days (lifetime reserve) |
$408 $816 |
$419 $838 |
| Skilled Nursing Facility Care Coinsurance 21-100 days | $204 | $209.50 |
| Part B Physician’s Services and Supplies Deductible | $240 | $257 |
High Deductible Plans F and G 2025 Deductible
The 2025 annual deductible amount for the High Deductible Plans F and G is $2,870 compared to 2024 annual deductible of $2,800. The deductible amount for the high deductible version of plans F and G represents the annual out-of-pocket expenses (excluding premiums) that a beneficiary must pay before the policy begins paying benefits.
Marketing Materials
We have begun the process of updating our marketing materials and will make them available in mid-December for ordering.