Medicare Premiums Increasing in 2013

View this article online at and visit to sign up for free news updates
By on November 21, 2012 in Retirement with 33 Comments

Medicare Part B premiums will be increasing in 2013, in some cases by almost 30%. The tables below show the pertinent figures as provided by the web site:

Medicare Part B Premiums
If your yearly income in 2010 was You pay (in 2012)
File individual tax return File joint tax return
$85,000 or less $170,000 or less $99.90
above $85,000 up to $107,000 above $170,000 up to $214,000 $139.90
above $107,000 up to $160,000 above $214,000 up to $320,000 $199.80
above $160,000 up to $214,000 above $320,000 up to $428,000 $259.70


If your yearly income in 2011 was You pay (in 2013)
File individual tax return File joint tax return
$85,000 or less $170,000 or less $104.90
above $85,000 up to $107,000 above $170,000 up to $214,000 $146.90
above $107,000 up to $160,000 above $214,000 up to $320,000 $209.80
above $160,000 up to $214,000 above $320,000 up to $428,000 $272.70
above $214,000 above $428,000 $335.70

Part B annual deductible

You pay $140 per year for your Part B deductible in 2012 ($147 in 2013).

Part B monthly premium

You pay a Medicare Part B (Medical Insurance) premium each month. Most people will pay the standard premium amount. However, if your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount, you may pay more.

Part B late enrollment penalty

If you don’t sign up for Part B when you’re first eligible, you may have to pay a late enrollment penalty for as long as you have Medicare. Your monthly premium for Part B may go up 10% for each full 12-month period that you could have had Part B, but didn’t sign up for it.

Medicare Part A Costs

Home health care

  • $0 for home health care services.
  • 20% of the Medicare-approved amount for durable medical equipment.

Hospice care

  • $0 for hospice care and there is no deductible.
  • Copayment of up to $5 per prescription for outpatient prescription drugs for pain and symptom management.
  • 5% of the Medicare-approved amount for inpatient respite care (short-term care given by another caregiver, so the usual caregiver can rest).
  • Your usual Part B deductible and coinsurance for your doctor’s services (if your attending doctor isn’t employed by the hospice).
  • Medicare doesn’t cover room and board when you get hospice care in your home or another facility where you live (like a nursing home).
  • If you pay out-of-pocket for an item or service your doctor ordered, but the hospice refuses to give you, you can file a claim with Medicare. If your claim is denied, you may file an appeal.

Hospital inpatient stay

You pay:

  • Days 1–60: $1,156 deductible for each benefit period in 2012 ($1,184 in 2013).
  • Days 61–90: $289 coinsurance per day of each benefit period in 2012 ($296 in 2013).
  • Days 91 and beyond: $578 coinsurance per each “lifetime reserve day” after day 90 for each benefit period (up to 60 days over your lifetime) in 2012 ($592 in 2013).
  • Beyond lifetime reserve days: all costs.

Skilled nursing facility stay

  • $0 for the first 20 days each benefit period.
  • $144.50 per day for days 21-100 each benefit period in 2012 ($148 in 2013).
  • All costs for each day after day 100 in a benefit period.

© 2018 Ian Smith. All rights reserved. This article may not be reproduced without express written consent from Ian Smith.

About the Author

Ian Smith is one of the co-founders of He enjoys writing about current topics that affect the federal workforce.