Most people pay no monthly premium for Part A. Part B has a standard monthly premium set by the government each year, and additional costs depend on whether you add a Supplement or Advantage plan. Premiums change annually, so always verify current figures.
Medicare costs come in layers, which is why this question is harder to answer than it looks.Part A, the hospital coverage, is premium-free for most people who worked and paid Medicare taxes for at least 10 years. Part B, the medical coverage for doctor visits and outpatient care, charges a standard monthly premium. That amount is set by the federal government each year and goes up over time, so checking the current figure at medicare.gov is worth doing. Higher-income beneficiaries pay more for Part B through a surcharge called IRMAA.Beyond Parts A and B, your costs depend heavily on what else you choose. Original Medicare alone still leaves you responsible for deductibles and coinsurance, and there is no out-of-pocket maximum. Many people add a Medigap plan, also called a Medicare Supplement, which covers some of those gaps but adds a separate monthly premium. Others choose Medicare Advantage instead of Original Medicare. Advantage plans often advertise low or $0 premiums, but they come with their own cost-sharing structures like copays and network restrictions.Prescription drug coverage through a Part D plan also adds a monthly premium that varies by plan and where you live. The bottom line is that your actual monthly Medicare cost could range from very low to several hundred dollars, depending on the coverage combination you choose.
In Utah, Part D and Medicare Advantage premiums vary by county. People in rural counties like Garfield, Kane, and Daggett often have fewer plan options, which can affect what you pay. Utah also has a Medicare Savings Program for qualifying lower-income residents that can help cover Part B premiums.
For you, this means budgeting for Medicare is not just about one number. It is worth mapping out all the pieces together, Part B plus whatever supplemental coverage fits your health needs and financial situation.
Our Commitment to Reliable Medicare Information
At Resting Sycamore Advisors, we work to provide accurate, current, and trustworthy information about Medicare Advantage, Medicare Part D, and Special Needs Plans.
To do that, we use data published by the Centers for Medicare & Medicaid Services (CMS), which is the official source for Medicare plan and enrollment information.
Our Medicare plan pages and comparison tools are powered by CMS datasets, including:
When possible, we link to the original CMS resources so you can review the source material directly.
We follow the CMS release schedule and update our website as new data becomes available.
We load new plan year Landscape and PBP files before the Medicare Annual Enrollment Period (October 15 through December 7). We also monitor CMS.gov for updates or revisions and refresh our content when needed.
We update enrollment and performance data as CMS publishes revised files, which are typically released monthly or quarterly.
We routinely monitor CMS announcements for corrections, reissued files, or other changes and update our pages accordingly.
Each plan page includes a Last Accessed date so visitors can see when the source information was most recently reviewed.
CMS data can be difficult to read in raw form. To make it easier to use, we format and organize the data for clarity.
This includes:
All data values come from CMS. We do not change the underlying values beyond formatting, organization, and presentation.
We keep internal records of the CMS dataset versions used on our site.
If CMS issues corrected or revised files, we update our website to reflect the latest available version.
Please keep the following in mind:
For personalized Medicare assistance, please use these official resources: