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What Is the Medicare Part B Deductible for 2021?

Medicare Part B is an essential component of the Medicare program, providing coverage for outpatient services, doctor visits, medical supplies, and preventive services. To help cover the costs of these services, beneficiaries are required to pay a deductible each year. The Medicare Part B deductible for 2021 is $203, a modest increase from the previous year.

FAQs about the Medicare Part B Deductible for 2021:

1. What is the Medicare Part B deductible?
The Medicare Part B deductible is the amount that beneficiaries must pay out of pocket before their Medicare coverage begins to pay for services. It is an annual deductible that must be met each year.

2. How much is the Medicare Part B deductible for 2021?
The Medicare Part B deductible for 2021 is $203. This is a slight increase from the previous year’s deductible of $198.

3. When do I have to pay the Part B deductible?
You are required to pay the Part B deductible each year before Medicare begins to cover your outpatient services, doctor visits, and other medical supplies. This deductible resets at the beginning of each calendar year.

4. Do all Medicare beneficiaries have to pay the Part B deductible?
Yes, all Medicare beneficiaries are subject to the Part B deductible, unless they have supplemental coverage that covers this deductible for them.

5. Can the Part B deductible change each year?
Yes, the Part B deductible can change each year. The amount is determined by the Centers for Medicare and Medicaid Services (CMS) and is based on factors such as inflation and healthcare costs.

6. Are there any services that are exempt from the Part B deductible?
Yes, some preventive services, such as flu shots, diabetes screenings, and certain cancer screenings, are exempt from the Part B deductible. These services are covered by Medicare without any out-of-pocket costs.

7. Can I have a secondary insurance plan to help cover the Part B deductible?
Yes, many beneficiaries choose to have a secondary insurance plan, such as a Medigap or Medicare Advantage plan, to help cover the Part B deductible and other out-of-pocket costs.

8. Is the Part B deductible the same for everyone?
Yes, the Part B deductible is the same for all Medicare beneficiaries, regardless of their income or the specific Medicare plan they have.

9. Does the Part B deductible count towards the annual out-of-pocket maximum?
No, the Part B deductible does not count towards the annual out-of-pocket maximum. The out-of-pocket maximum only applies to certain Medicare Advantage plans.

10. Can I set up a payment plan for the Part B deductible?
No, the Part B deductible must be paid in full upfront each year. There is no option for a payment plan.

11. Can the Part B deductible be waived for low-income individuals?
Yes, some low-income individuals may qualify for assistance through programs like Medicaid or the Medicare Savings Programs, which can help cover the Part B deductible and other Medicare costs.

In conclusion, the Medicare Part B deductible for 2021 is $203. This is an annual deductible that all Medicare beneficiaries must pay before their coverage begins. While it is a modest increase from the previous year, some individuals may qualify for assistance to help cover this deductible. It is important for beneficiaries to understand their Medicare coverage and any potential out-of-pocket costs they may incur.
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