Medicare is always changing—and 2025 brings a few important updates worth noting. Here’s a clear, easy-to-understand breakdown to keep you confidently informed.
1. Part B Premiums and Deductibles Are Going Up
In 2025, Medicare Part B will cost more:
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Monthly premium increases to $185 (up from $174.70 in 2024)
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Annual deductible rises to $257 (up from $240)
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2. Out-of-Pocket Limit for Part D: Capped at $2,000
Thanks to the Inflation Reduction Act, starting in 2025 your total yearly out-of-pocket costs for prescription drugs will never exceed $2,000. After that, your plan covers 100% of covered medications for the rest of the year.
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3. You Can Spread Your Prescription Costs Throughout the Year
Medicare is now allowing you to opt into a Prescription Payment Plan, which lets you spread your Part D drug costs over monthly installments instead of paying for expensive medications all at once. It doesn’t reduce costs—it just helps with budgeting.
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4. New Coverage for Mental Health, Heart Health & More
Medicare now includes expanded benefits like:
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Behavioral health services (e.g., family and marriage counseling, safety planning)
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Cardiovascular risk assessments
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Enhanced opioid treatment via telehealth
These updates help add preventive care components often missing in the past.
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5. Medicare Advantage Plans May Be Changing—Watch Your Benefits
Even though many Medicare Advantage plans still cost nothing extra, some have scaled back extras like:
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Over-the-counter drug benefits (down from 85% to 73%)
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Meal delivery (down from 72% to 65%)
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Transportation benefits (down from 36% to 30%)
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GoldenMed Summary Table
| Update | What It Means for You |
|---|---|
| Part B Premium & Deductible Increase | Expect slightly higher monthly and annual costs |
| Part D Cap at $2,000 | Your yearly prescription spending is now limited |
| Prescription Payment Plan | Option to pay prescriptions in manageable monthly payments |
| Expanded Preventive Coverage | More mental health and heart care benefits are covered |
| Advantage Plan Benefit Changes | Always review your Advantage plan—some perks may have changed |
Need Help Understanding Your Medicare Options?
Whether you’re turning 65, reviewing your coverage, or helping a loved one decide, I’m here to help you navigate these changes—without the confusion.
Let’s talk about:
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Your existing plan and whether it still fits you
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The real costs behind your coverage—not just premiums, but what’s covered
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How to budget better using the new Part D payment plan
GoldenMed is here to make Medicare simple and personal.
📞 Let’s connect—your well-being is our priority.
