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Part A (Hospital Insurance)

• Premium: 
  • Free if you’ve worked 10 years or more  
  • $278 per month if you’ve worked 7.5 to 10 years  
  • $505 per month if you’ve worked fewer than 7.5 years  
• Deductible:
  • $1,632 each benefit period  
• Coinsurance:
  • $0 for the first 60 days of inpatient care each benefit period  
  • $408 per day for days 61-90 each benefit period  
  • $816 per lifetime reserve day after day 90 in a benefit period (You have 60 lifetime reserve days that can only be used once. They’re not renewable.)  
• Skilled Nursing Facility: 
  • $0 for the first 20 days of inpatient care each benefit period  $204 per day for days 21-100 each benefit period  

Part B (Medical Insurance) 

• Premium: $174.70 is the standard premium 
• Deductible: $240 per year 
• Coinsurance: 20% for most services Part B covers  

Part D (Prescription Drug Insurance) 

• National Average Part D Premium: $32.74/month 
• Maximum Deductible: $545 per year 
• Coverage Gap Begins: $5,030 (you and your plan together) 
• Catastrophic Coverage Begins: $8,000 (your costs, including brand coverage gap discounts) 
• Costs after catastrophic limit: $0