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Medicare changes for 2011

What are the Medicare premiums and coinsurance rates for 2011?

The following is a listing of the Medicare premium, deductible and coinsurance rates that will be in effect in 2011.

Medicare Premiums for 2011:

Part A: (Hospital Insurance) Premium

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

• The Part A premium is $248 per month for people having 30-39 quarters of Medicare-covered employment.

• The Part A premium is $450 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

Most beneficiaries will continue to pay the same $96.40 or $110.50 premium amount in 2011.  Beneficiaries who currently have the Social Security Administration (SSA) withhold their Part B premium and have incomes of $85,000 or less (or $170,000 or less for joint filers) will not have an increase in their Part B premium in 2011.

For additional details, see our FAQ titled: "Will my Medicare Part B premium increase in 2011?

For all others, the standard Medicare Part B monthly premium will be $115.40 in 2011, which is a 4.4 percent increase over the 2010 premium.  The Medicare Part B premium is increasing in 2011 due to possible increases in Part B costs. If your income is above $85,000 (single) or $170,000 (married couple), then your Medicare Part B premium may be higher than $115.40 per month.

For additional details, see our FAQ titled: "2011 Part B Premium Amounts for Persons with Higher Income Levels.

Medicare Deductible and Coinsurance Amounts for 2010:

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 (2011 = $1,132) 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 $1,132 for a hospital stay of 1-60 days.

• $283 per day for days 61-90 of a hospital stay.

• $566 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

• $141.50 per day for days 21 through 100 each benefit period.

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

• $162 per year. (Note: You pay 20 percent of the Medicare-approved amount for services after you meet the $162.00 deductible.)

Additional information is available in the Nov. 4 Fact Sheet titled, "Medicare Premiums, Deductibles for 2011 on the website.