A New Year means it is time for Medicare deductibles to start fresh. For 2010 and until further notice, the Part B deductible is $155.00. Patient expenses are applied toward the deductible based on incurred, rather than paid expenses, and are based on Medicare allowed amounts. Non-covered expenses do not count toward the deductible. Services not subject to the deductible cannot be used to satisfy the deductible. Generally, the date of service determines when expenses were incurred, although the order in which expenses are applied is based on when the bills are actually received. If an individual does not have Part B benefits for an entire calendar year, that person is still subject to the full deductible.

For Part A, the deductible is $1100 for the first 60 days of hospital stays.  For 61-90 days, the insured pays $275 per day.   For 91-150 days, $550 per day is patient portion.  After 150 days, insured pays all costs.

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