Editing Medicare (United States) (section)

===Deductible and coinsurance===
'''Part A'''—For each [[benefit period]], a beneficiary pays an annually adjusted:

* A Part A deductible of '''$1,632''' in '''2024''' for a hospital stay of 1–60 days.<ref name=":1" />
* A '''$408''' per day co-pay in '''2024''' for days 61–90 of a hospital stay.<ref name=":1" />
* A '''$816''' per day co-pay in '''2024 f'''or days 91–150 of a hospital stay, as part of their limited [[Lifetime Reserve Days]].<ref name=":1" />
* All costs for each day beyond 150 days<ref name="Medicare.gov">{{cite web |date=2017 |title=Medicare 2017 costs at a glance |url=https://www.medicare.gov/your-medicare-costs/costs-at-a-glance/costs-at-glance.html |url-status=dead |archive-url=https://web.archive.org/web/20180910124746/https://www.medicare.gov/your-medicare-costs/costs-at-a-glance/costs-at-glance.html |archive-date=September 10, 2018 |access-date=March 12, 2017 |publisher=Medicare, U.S. Centers for Medicare & Medicaid Services, Baltimore}}</ref>
* Coinsurance for a Skilled Nursing Facility is '''$204''' per day in 2024 for days 21100 for each benefit period (no co-pay for the first 20 days).<ref name=":1" />
* A blood deductible of the first 3 pints of blood needed in a calendar year, unless replaced. There is a 3-pint blood deductible for both Part A and Part B, and these separate deductibles do not overlap.

'''Part B'''—After beneficiaries meet the yearly deductible of '''$240''' for 2024, they will be required to pay a co-insurance of 20% of the Medicare-approved amount for all services covered by Part B<ref name=":1" /> with the exception of most lab services, which are covered at 100%. Previously, outpatient mental health services was covered at 50%, but under the [[Medicare Improvements for Patients and Providers Act of 2008]], it gradually decreased over several years and now matches the 20% required for other services.<ref>{{Cite web|title=Medicare Coverage of Mental Health Services |publisher=Center for Medicare Advocacy|date=May 29, 2009 |url=https://www.medicareadvocacy.org/medical-coverage-of-mental-health-services/}}</ref> They are also required to pay an excess charge of 15% for services rendered by physicians who do not accept assignment.

The deductibles, co-pays, and coinsurance charges for Part C and D plans vary from plan to plan. All Part C plans include an annual out-of-pocket (OOP) upper spend limit. Original Medicare does not include an OOP limit.