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New Medicare Changes for 2023

Every year, changes come to Medicare. In 2023, Medicare has several new benefits and adjustments to speak of. As a beneficiary, it’s important to keep up with these developments. Below, we’ll provide the information you need to know about how Medicare is different this year, including how much Medicare costs in 2023.

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What is the Medicare Deductible for 2023?

The annual Medicare Part B deductible has decreased in 2023 to $226, which is $7 less than last year. The standard Part B premium is lowered to $164.90 monthly, which is $5.20 less per month than before.

Medicare Part A is does not have a premium for most people. However, the premium does increase each year. In 2023, the Medicare Part A deductible will be $1,600 for each benefit period. That makes the increase $44 more than last year. But, those who buy into Medicare could pay a full Part A premium of $506 each month. And, those who paid 30-39 quarters could pay $278 per month.

The inpatient hospital benefit period costs are rising slightly for 2023. For days 1-60 beneficiaries will continue to pay $0 each day. Days 61-90 now cost $400 per day. Finally, for days 91 and beyond, you’ll pay $800 coinsurance for each day. Now, skilled nursing facility copayments also saw an increase; days 21-100 cost $200 per day.

New Medicare Benefits for 2023

The number of Medicare Advantage plans available to the average beneficiary has increased for 2023. Also, telemedicine is growing in availability. Before we go over all the specifics on new Medicare benefits, let’s take a look at the cost of Medicare in 2023.

What Does Medicare Advantage Look Like for 2023?

Medicare Advantage plans are available across the United States. Beneficiaries can also expect to see more plan options, even for those in rural areas. More options and lower costs are good news to beneficiaries opting for Part C insurance.

What is the Cost of Part D in 2023?

Premiums for Medicare Part D in 2023 average about $31.50 a month, a decrease from the previous year. The initial deductible in 2023 is $505 for the year. The initial coverage limit increased to $4,660. Also, the Out of Pocket threshold increased to $7,400.

What is the 2023 High Deductible for Medigap?

Medigap High Deductible Plan G and Medigap High Deductible Plan F have an annual deductible of $2,700 for 2023. Now, while newly-eligible beneficiaries can no longer purchase any version of Plan F, those currently enrolled in High Deductible Plan F will be responsible for the deductible.

What is the 2023 Maximum Out of Pocket?

For Medicare Advantage, maximum out-of-pocket limits can reach up to $8,300 for in-network services.

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Those with Medicare Supplement Plan L have a $3,470 out-of-pocket maximum. Those with Medigap Plan K have a $6,940 Maximum Out of Pocket for the year.


When will 2024 Medicare premiums be announced?
When it comes to Part A and Part B premiums and deductibles, these are announced each fall. The 2024 Medicare premiums and deductibles were announced in October of 2023. The 2024 Medicare Part A deductible is $1632 and the premium who those who have to buy it is $505. The 2024 standard premium for Medicare Part B is $174.70 and the Part B deductible is $240.
When will 2023 Medicare Advantage plans be available?
Plans for 2023 are available for use beginning January 1, 2023. However, you can enroll during the Annual Enrollment Period in October.
Have the Medicare income limits changed for 2023?
Higher-income earners will need to pay more for Part B premiums. From 2022 to 2023, income limits did raise for single individuals and married couples.
Is Plan F still available in 2023?
You will not be able to enroll in Plan F if you became Medicare-eligible in 2020 or later. However, if you were Medicare-eligible prior to that year, you can still enroll in Plan F or keep your existing Plan F policy.

How to Get Help with Your Medicare Coverage in 2023

We know that there are a lot of changes to Medicare for 2023. If you’re new to Medicare, or an existing beneficiary, know that our team is here for you. Whether you’re interested in Medigap or simply have questions about Medicare, we can help.

Saving time and money has never been easier! Give us a call at the number above or fill out our online rate form to see the rates in your area now.

Kayla Hopkins

Kayla Hopkins

Content Editor
Kayla Hopkins is an accomplished writer and Medicare guru serving as the Editor of MedicareFAQ.com. Upon completing her Communications degree from Ohio University, Kayla dedicated her time to understanding the ever-evolving landscape of healthcare. With her extensive background as a Licensed Insurance Agent, she brings a wealth of knowledge and expertise to her writing.

17 thoughts on "New Medicare Changes for 2023"

    1. Mary, Medicare Supplement plans do not require prior authorizations: however, it is possible for Original Medicare to require.

  1. I’m in NY, a retired employee of NYC/Dept. Of Ed. We are undergoing changes in our Medicare medical benefits plan, changing to ‘one pay’ system of a Medicare Advantage plan. I have much anxiety due to the limited information we are receiving. Now, on top of that, I’m seeing news reports about more Medicare cuts pending, specifically within payments of some Medicare Advantage services. How can we know what to expect to pay and be covered for in January/2022?

    1. Hi Aida! You would need to reach out to the Medicare Advantage carrier to find out what your out-of-pocket costs will be. Medicare Advantage benefits are not standardized like Medigap benefits are. Ask for the summary of benefits and review them carefully. There really is no way to predict what your out-of-pocket expenses will be since you pretty much pay as you go with these plans.

  2. I have had Medicare A, B, D coverage, plus Medicare Supplement Plan F for the last 7 years (age 66 – 73), and am happy with those benefits. Can I continue on same WITHOUT having to make some type of election/declaration for 2021? I have gotten a lot of correspondence recently pointing toward making an election one way or another, being a requirement.

    1. Hi Larry! The correspondence you’re receiving is more than likely your Annual Notice of Change letter from your Part D carrier. Your Part A, Part B, and Plan F benefits do not change annually. However, Part D benefits do. The letter explains your premium changes, as well as any benefit changes if any. You do not have to select anything if you don’t want to, your current plan will just renew on its own. However, you may find another Part D plan during the current Annual Enrollment Period that gives you the same benefits, with a lower monthly premium. I hope this helps!

  3. I totally agree. As a patient with serious medical issues, I do NOT want to discuss my condition with a PA (or whatever title they are given). Unfortunately, when you go to the doctors office, you get the PA instead. Once I requested the physician and had to wait another HOUR before he came in to see me. This is lousy treatment. Furthermore, I resent the fact that Medicare pays for the physician when all the patient got to speak with was the PA. If all I wanted to do was to speak with, or be seen by, a PA, I would enroll in one of those storefront or medical school clinics because that’s all you get in those places.

    1. CJ I too am in the same boat as you. Serious medical issues and furious when I’m charged for Dr’s visits when you don’t see a Dr. I really would like to know how this can be legal and why consumers of medical treatments can be robbed like this. I noticed there was no reply to your comment and sure would like to see a reply to this very serious issue thats being allowed.

      1. Hi Nadja! The main thing to realize here is you’re not being charged for the “doctor’s visit.” You’re being charged for an “office visit.” The CPT code is the same whether you see a doctor or PA.

  4. I have an unusual circumstance I got married in 2017 I’m 66 and my husband 67, he has a different Medicare program from Blue Cross in WA STATE and pays 187.00 a month he can afford it I cannot I have Humana with 0 monthly. I make about 1400.00 a month with social security and a part time job in which I’m mostly cannot afford drugs on tier 2 or 3 I have inhalers for asthma, and last month my HUMANA drugs cost me 68.00 which left me with 1.69 in my bank account for two weeks. This totally makes me furious what in the heck can I do?? Medicaid won’t help because it goes off our combined income. So I’m literally screwed because it hurts me. Help please.

    1. Hi Ellen! The Annual Enrollment Period just started, so now is the time to compare your current coverage to see what other Medicare Advantage, MAPD, or Part D plans are available for 2021. If you use our Advantage and Part D comparison tool, you can see other options available in your area to see if you can find a plan with a lower premium that covers your medications better.

  5. My wife and I (81 and 77) use Blue Cross plan F from day 1, but now it is getting very expensive. I have major issues so it is working for me. What bothers me I won’t know what the premium will be until March of 2021. So I am looking to see who sells the same plan or close to. Advantage plans would not work for me. Your article gave me some knowledge about changes coming. Thank you

    1. Hi George! Yes, if you have major health issues definitely stick with Medicare Supplement Plan F or you could consider Plan G. The only difference between the two is Plan G won’t cover the Part B deductible. However, if you’re okay paying that out of pocket it should reduce your monthly premium. Most carriers offer Plan F, it just depends on where you live. The good thing is Medigap plans are standardized, so regardless of what carrier you enroll with the benefits will be exactly the same. The only difference between the carriers is the monthly premium. We can help you compare Plan F, as well as Plan G, side by side with the carriers in your area to see if we can get you a lower premium. You’ll most likely have to answer health questions to change carriers. However, if your health issues are something another carrier may deny you coverage over, your current carrier may allow you to switch to Plan G without your health impacting your approval odds to get you a lower monthly premium.

  6. Hi Linda, I’m so sorry you’re having issues affording the medical care you and your husband need. Medigap plans are standardized by the federal government, it does not matter who you sign up with, the benefits will be the same. Assuming you have Part A and Part B, if you cannot afford a Medigap plan, a Medicare Advantage plan is a good alternative. While it may have higher out of pocket costs, the monthly premium can be as low as zero. We have a great video that explains the differences between these two options. Before enrolling, you’ll want to verify that your doctor is in the network of the plan. Also, if your income is low, you may qualify for both Medicaid and Medicare or possibly a low-income subsidy that will help cover some of your medical expenses. Give us a call if you have any additional questions. We’re here to help.

  7. Patients want to see doctors and not nurses when they need primary care! My patients are tired of being dumped with a midlevel! Both my parents have been injured by midlevels! Low standard of medicine! I find it interesting that veterinarians do not allow midlevels to see their animal patients! I am a Trump supporter but do not support patients being stuck with midlevels! My residents resent the midlevels and will not sign onto contracts in practices where they are present! We need to reimburse the primary doctors at the highest level! This is what patients want!!! Again many patients resent being dumped with a midlevel! Doctors spend many years in training and actually go to medical school! The midlevel( NPS, PAS) are basically shortcutters and avoid medical school, residency training and fellowship!

  8. I am greatly concerned with the changes regarding longer hospital stays after surgery and the need for rehabilitation/nursing facilities afterward.
    What happens to a single senior on Medicare who needs replacement joint surgery and rehab physical therapy for recovery for limb replacement when the patient is unable to secure help from friends or family? I am greatly frustrated that the times for hospitalization for surgeries have been cut at the same time longer requirements for in-patient rehabilitation has become harder to meet. Individuals with no help for recuperation are being forced to forego the needed surgeries. Denying the elderly needed assistance for recovery is inhumane!


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