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The typical Medicare copay is the 20% Medicare Part B copay, though you could pay other copay amounts depending on the Medicare-covered services you receive.
Medicare Advantage plans offer the ability to receive the same benefits as Original Medicare, but from a private insurer.
However, even with the added flexibility that Medicare Advantage plans provide, you may still be responsible for out-of-pocket costs, including copays.
A Medicare copay is the amount of money you're required to pay for a covered Medicare service or good. A copayment is typically a flat fee.
Private Medicare plans like Medicare Advantage plans and Part D prescription drug plans may include their own copay and deductible amounts that can vary from one plan to the next.
Original Medicare (Part A and Part B) has fixed copay amounts:
More than 30 million Medicare beneficiaries are enrolled in a Medicare Advantage plan. This equals nearly half the total population of Medicare-eligible Americans.2
Many are likely drawn to the unique benefits of Medicare Advantage plans as compared with Original Medicare:
Medicare Advantage out-of-pocket costs can include:
Note: these costs may be higher (or lower), depending on your plan.
As you compare your options, you should weigh Medicare Part C costs against the additional benefits you may receive, as compared to staying with Original Medicare.
Christian Worstell is a senior Medicare and health insurance writer with MedicareAdvantage.com. He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.
..Christian Worstell is a senior Medicare and health insurance writer with MedicareAdvantage.com. He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.
Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.
Christian has written hundreds of articles for MedicareAvantage.com that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.
Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.
A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism.
If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at Mike@tzhealthmedia.com.