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How are Medicare Benefits Changing in 2021?


Our clients help Medicare-eligible consumers nation-wide to review eligible options, and ensure they have the best possible coverage available to them. One thing we know after years of marketing within the Medicare space is that it’s an extremely complex marketplace, and one filled with more questions than answers oftentimes. So we’re starting with the first area we think our consumers should be aware of…


How are Medicare Benefits Changing in 2021?


Medicare Open Enrollment has just closed on December 7, and for those who are enrolled, there are some changes in benefits in 2021.


To provide a refresher for enrollees:

Part A provides inpatient/hospital coverage

Part B provides outpatient/medical coverage

Part C provides alternate ways to receive Medicare benefits

Part D provides prescription drug coverage


For Part A, the deductible covers an enrollee’s first 60 inpatient days during the benefit period, but there will be a daily coinsurance charge if a person needs additional inpatient coverage within that same benefit period. After the 60th day, it is priced at $371 up until the 90th day. The first 20 days are covered with the Part A deductible when a person is in a skilled nursing facility and has an inpatient hospital stay of at least three days before a transfer to a nursing facility.


In the month of October of this year, it was projected that the standard premium for Medicare Part B would significantly increase by more than four dollars with the original price at $144.60 a month and the 2021 price at $148.50. But the federal government created a short-term spending bill that included a limit on the Part B premium to increase in 2021.


There will be an increase for the 2021 Part B deductible. The 2021 Part B deductible is $203 which is the highest it has been since 2017. Enrollees who have supplemental coverage such as Medicaid, employer-sponsored plans, and Medigap plans C and F, may have their deductible paid for by these supplemental coverages.


However, Medigap plans C and F cannot be sold to new and eligible enrollees as of 2020, but those who were previously eligible for Medicare before 2020 can continue with purchasing those plans. The reason for removing the sale of plans C and F that cover the Part B deductible for new enrollees is in an effort to ensure some enrollees sustain out-of-pocket costs when receiving medical care.


The Medicare Advantage, or Part C, the price for the premium for 2021 decreased about two dollars from $23 a month to $21 a month. This has been the lowest average for the premium since 2007.

Lastly, Medicare beneficiaries of Part D coverage will be able to purchase insulin with a copay of $35 a month in this coming year, helping beneficiaries save hundreds of dollars a year.


Contact us for information on our lead generation and call center marketing programs.

[email protected]

512.813.0480


https://www.medicareresources.org/faqs/what-kind-of-medicare-benefit-changes-can-i-expect-this-year/

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