Premiums, copays and other Aetna Medicare costs

It’s the amount you pay each month for your Medicare coverage.

Plan premiums will vary depending on what plan you’re in. Be sure you know your plan’s monthly premium. You’ll pay it in addition to your Medicare Part B premium.

If you or your spouse has paid Medicare taxes long enough, your Medicare Part A premium is $0. Most people qualify for this rate. If you don’t qualify for a $0 premium, your monthly cost in 2025 is $285 or $518.

Your Medicare Part B premium may change each year. It also may be higher if your individual annual income is higher. Your income from two years ago is used for reference. For example, if your income was between $106,000 and $133,000 in 2023, your Part B premium in 2025 is $259. If your income was less than $106,000 in 2023, your Part B premium in 2025 is $185.

It’s the amount you may have to pay out of pocket before your plan starts to pay its share of covered costs. Your deductible resets at the start of each plan year.

Comparing Medicare plans? Be sure to include the deductible, premium, copays and coinsurance in the yearly cost.

Original Medicare is made up of Medicare Parts A and B. Each part has a different deductible. In 2025, the Medicare deductible for Part A is $1,676 for each hospital visit. For Part B, it is $257 for the full year.

As with other insurance plans, Medicare Advantage costs include your premium and deductible. You may also have copayments and coinsurance costs. Your Medicare Advantage plan may also have an out-of-pocket maximum. This is a yearly limit on the amount you pay before your plan covers 100% of covered costs. The amount you pay is dependent on your specific plan. Compare costs like Medicare premiums with our plan comparison tool.

It’s an amount you may have to pay out of pocket for covered services or prescription drugs.

• A copay is a fixed dollar amount, such as $20 for a doctor visit.
• Coinsurance is a percent of the cost, such as 10% for a covered prescription drug. (To find out how much you’ll pay, multiply the percent times the cost. For example, if your coinsurance is 10% and a covered drug costs $100, you’ll pay $100 x .10, or $10.)

When choosing a plan, it’s important to know if your share of covered costs will be a copay or coinsurance.

IRMAA stands for Income-Related Monthly Adjustment Amount. It's an extra amount some people have to pay for their Medicare Part B and Part D coverage.

Here are some important points about the IRMAA:

• You'll only have to pay an IRMAA if your income is above a certain amount.
• If you have to pay an IRMAA, you’ll get a letter from the Social Security Administration (SSA).
• If you don’t pay your IRMAA, you may lose your Medicare Part B or Part D coverage.
• The SSA, not Aetna®, decides if you have to pay an IRMAA.

For this year’s IRMAA amounts and more information, visit Medicare.gov. 

It depends. You must meet certain Internal Revenue Service (IRS) requirements to deduct any health expenses.

We don’t offer or intend the information we give you to be tax advice. To find out if a health expense is tax deductible, you can:

• Review IRS Publication 502, Medical and Dental Expenses, available at IRS.gov/forms-pubs/about-publication-502