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Annual Medicare Costs and Changes


In November 2021, the Centers for Medicare and Medicaid Services (CMS) released the 2022 premiums, deductibles and coinsurance amounts for the Medicare Part A and Part B programs, and the 2022 Medicare Part D income-related monthly adjustment amounts. A summary of the changes can be found below. 

Part A

Part A Monthly Premium

  • If you worked 40 or more quarters, generally, there is no Part A premium.
  • If you worked less than 40 quarters, there is a premium for Part A:
    • $499 per month—0 to 29 quarters
    • $274 per month—30 to 39 quarters

Hospital Stay Deductible and Costs

  • $1,556—Deductible each benefit period
  • $389 per day—For days 61 thru 90 each benefit period
  • $778—For lifetime reserve days (after each 90-day benefit period, up to 60 days over your lifetime)

Skilled Nursing Facility Stay

  • $0—For the first 20 days each benefit period
  • $194.50 per day—For 21 to 100 days in benefit period

Part B

Part B Monthly Premium

  • $170.10—If income is under $91,000 per year single; $182,000 couple
  • Greater than $170.10—If you are subject to an IRMMA (income is over $91,000 per year single; $182,000 couple)
  • If you are enrolled in QMB and SLMB, the State will pay the full Part B premium of $170.10 per month for those who meet the income and asset guidelines for these programs. 
  • If you were enrolled in QMB or SLMB in 2021 and lost the benefit because your income rose or you failed to recertify, you will pay $170.10 per month.

Part B Deductible

  • The first $233 yearly

Part D

Extra Help 2022

  • Full Dual Eligible (Medicare and Medical Assistance; red and white card)—generic $1.35; brand $4
  • Full Extra Help (Those who qualify for QMB or SLMB)—generic $3.95; brand $9.85

Maryland Senior Prescription Drug Assistance Program

  • Will pay up to $50 towards the monthly Medicare Part D Plan's premium

2022 Standard Medicare D Plan

  • A monthly premium.
  • May be a deductible of no more than $480.
  • Initial coverage period lasts until the total amount spent on Part D drugs reaches $4,430 (includes amounts paid by plan, as well as the beneficiary, who typically pays less than 25 percent of retail cost for brand drugs and up to 100 percent of retail cost for generics).
  • Coverage gap period, known as the donut hole. Beneficiary will pay 25 percent of retail for brand drugs and 25 percent of retail for generics.
  • Catastrophic coverage period starts when total out-of-pocket threshold of $7,050 is reached (at this time, the full cost of drugs to date has reached approximately $10,690). Within this period, brand and generic drugs will cost five percent of retail or less for the remainder of the calendar year.

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State Health Insurance Program (SHIP)

Bykota Senior Center
611 Central Avenue
Towson, Maryland 21204


Monday through Friday
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