How Much Is Medicare In The USA? 
You have asked a very complicated question . There is no simple answer , but I will try to give you an idea . Medicare has 4 parts . Part A is hospital insurance and has no premium . Part B is your health insurance and pretty much covers everything covered by Medicare other than hospital costs and post hospital skilled nursing . The premium for that varies according your your income . For most people , it is currently $ 104.90 per month -LRB- 2013 -RRB- and if you are taking your Social Security , it is deducted from your monthly payment . Part A and B constitute Original Medicare . Medicare Part C established Medicare Advantage plans , and Part D is prescription drug coverage . If you select an advantage plan , your insurance will be provided by an insurance company . These usually take the form of an HMO or PPO and have generally the same restrictions and exposure as a non Medicare HMO or PPO . Most include prescription drug coverage so you wo n't need a Part D. However , make sure your particular prescriptions are covered . If you select Original Medicare , you will probably want to choose a Medicare Supplement , or Medigap policy . These plans have a monthly premium , and do n't cover prescription drugs , but do lower your exposure to big expenses . Most of the plans do not have copayments . You can choose a supplement that covers all of the things that are covered by Medicare and lower your risk to virtually zero . While the plans are standardized , the premiums will vary from state to state and from company to company . If you choose a supplement , you will also need to pick a Part D prescription drug plan . The costs for these also vary and are influenced by the particular prescriptions you take . You can learn more at the Centers for Medicare and Medicaid Services , www.cms.gov . 