Medicare Resource Hub
Your comprehensive guide to Medicare coverage, enrollment, costs, and Social Security benefits
Essential Medicare and Social Security numbers for 2025 at a glance.
Verify Official Information
While we strive for accuracy, Medicare rules and costs can change. Please verify all facts and figures at Medicare.gov or call 1-800-MEDICARE (1-800-633-4227) for official information.
Understanding Common Medicare Terms
Deductible:
Amount you pay before Medicare starts paying
Coinsurance:
Your share of costs after meeting deductible (usually 20%)
Benefit Period:
Starts when you enter hospital, ends after 60 days with no hospital or skilled care
Premium:
Monthly payment for your Medicare coverage
Medicare Costs 2025
Monthly Premium
$0
For most people
Monthly Premium
$185
Standard amount
IRMAA - High Income Surcharges
Higher income means higher Medicare premiums
Why 2023 income? Social Security uses your tax return from 2 years ago because that's the most recent data the IRS has processed. If your income changed significantly, you can file an appeal.
| Individual Income (2023) | Joint Income (2023) | Part B Premium | Part D IRMAA |
|---|---|---|---|
| $106,000 or less | $212,000 or less | $185.00 | --- |
| $106,001 - $133,000 | $212,001 - $266,000 | $259.00 | + $13.70 |
| $133,001 - $167,000 | $266,001 - $334,000 | $370.00 | + $35.30 |
| $167,001 - $200,000 | $334,001 - $400,000 | $480.90 | + $57.00 |
| $200,001 - $499,999 | $400,001 - $749,999 | $591.90 | + $78.60 |
| $500,000+ | $750,000+ | $628.90 | + $85.80 |
Medicare Enrollment Periods
7-month window around turning 65
Oct 15 - Dec 7
Switch between MA and Original Medicare, change Part D
Changes effective January 1
Jan 1 - Mar 31
Already in MA? Switch plans or return to Original Medicare
Important: This information is for educational purposes only and is not a substitute for professional advice. Medicare rules, costs, and coverage can change. Always verify current information at Medicare.gov or by calling 1-800-MEDICARE (1-800-633-4227).