What is the coinsurance rate after the deductible under Medicare Part B?

• A. 90/10
• B. 70/30
• C. 80/20
• D. 100%

Answer: (C)

Under Medicare Part B, after the beneficiary has met their deductible, the standard coinsurance rate is set at 80% covered by Medicare and 20% that the beneficiary must pay. This means that Medicare pays for 80% of the approved amount for medically necessary services, and the individual is responsible for the remaining 20%.

This structure is designed to share the costs between Medicare and the beneficiary, ensuring that while Medicare provides substantial coverage, beneficiaries also contribute a portion of the costs. Understanding this coinsurance ratio is crucial for beneficiaries when planning for their healthcare expenses, as it highlights the out-of-pocket costs they might incur for services covered under Part B.

The other rates do not reflect the coinsurance structure of Medicare Part B, which is specifically defined as the 80/20 split following the deductible.