If you have just original Medicare, you may be in for a surprise with actually out of pocket expenses. Here are your costs of Original Medicare as of 2016

Medicare Part A (Hospital Insurance) Monthly Premium
As long as you worked 10years in the United States (40 quarters) you don’t pay a Part A premium because you and your employer paid Medicare taxes while working. If you don’t get premium-free Part A, you might pay up to $411 each month.
Medicare Part B (Medical Insurance) Monthly Premium
You pay a Part B premium each month. Most people who get Social Security benefits will continue to pay the same Part B premium amount as they paid in 2015. This is because there wasn’t a cost-of living increase for 2016 Social Security benefits.
You’ll pay a different premium amount in 2016 if:
• You enroll in Part B for the first time in 2016.
• You don’t get Social Security benefits.
• You’re directly billed for your Part B premiums.
• You have Medicare and Medicaid, and Medicaid pays your premiums. (Your state will pay the standard premium amount of $121.80.)
• Your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount.

Out of Pocket:

Medicare Part A (Hospital/Inpatient Care)
Inpatient Hospital Stay you pay
• $1,288 deductible per benefit period (days 1-60)
• $0 for the first 60 days of each benefit period
• $322 per day for days 61–90 of each benefit period
• $644 per “lifetime reserve day” after day 90 of each benefit period (up to a maximum of 60 days over your lifetime)
Skilled Nursing Facility Stay you pay
• $0 for the first 20 days of each benefit period
• $161.00 per day for days 21–100 of each benefit period
• All costs for each day after day 100 of the benefit period
Hospice you pay
• You pay nothing for hospice care from a Medicare-certified hospice. You may have to pay part of the costs for drugs and respite care.
Medicare Part B (Medical/Outpatient Care)
• You pay $166 per year for your Part B deductible.
• After your deductible is met, you typically pay 20% of the Medicare-approved amount for most doctor services (including most doctor services while you’re a hospital inpatient), outpatient therapy, and durable medical equipment.
NOTE: With Original Medicare coverage ONLY, you do not have an annual maximum out of pocket. This means you could potentially be responsible for copays and coinsurance for both Medicare A and B until the cows come home.