Part A: free, or bought in tiers
Part A is the hospital half and, for most people, it is free: forty quarters of Medicare-covered work - roughly ten years - earns premium-free Part A, and the page charges nothing for it. Below that threshold the buy-in has two tiers, $311 a month with 30 to 39 quarters and $565 a month with fewer, and whichever applies is multiplied by twelve and added to the year.
The hospital deductible is the same on all three paths: $1,736 for every benefit period a stay starts, so two separate stays mean two deductibles. The stay count is rounded down to whole stays and capped at twelve, since the field only offers a year of admissions. When you do pay a buy-in premium the result panel prints a warning line naming the tier, because that cost is the easiest one to miss when you compare plans.
The coinsurance days
The deductible covers the first 60 days of a stay. From day 61 to day 90 you pay $434 a day, and days 91 to 150 draw on the 60 lifetime reserve days at $868 each; the day field stops at 150 because that is where the benefit ends. One number drives both segments - the total inpatient days you enter - so a single 80-day stay adds 20 days at $434, or $8,680.
That is also the main simplification on this page: it prices the day bands once for the year rather than once per stay, because a single field cannot describe how the days were split. Two long stays entered as one total will understate the coinsurance, and the result panel says so rather than leaving you to discover it. Admission counts and day counts are therefore independent inputs, and neither is inferred from the other.
Part B: a premium, a deductible, 20%
Part B is the medical half and everyone pays for it: $202.90 a month in 2026, or $2,434.80 across the year, on top of any Part A buy-in. The $283 deductible is charged once a year and printed in full whenever the page produces a total, even when the services you enter come to less than that. Above it your share is 20% of the Medicare-approved amount, so $5,000 of care adds $943.40.
Skilled nursing is separate again. Enter the days beyond the first 20, and each one costs $217 up to day 100, which is why a 12-day entry is $2,604. The hero figure adds the two premiums to those five cost-sharing lines, so a year with one short stay usually lands within a few hundred dollars of the premiums alone - the shape most people are surprised by the first time they price it.
What the page leaves out
Several real costs sit outside the model. IRMAA, the income-related addition to the Part B premium, is not an input, and neither is any federal poverty level figure: income only reaches this program through IRMAA, so the page leaves it out rather than approximating it. There is no Part D premium or drug spending either; the only Part D number pinned here is the $2,100 out-of-pocket cap for 2026. Medigap and Medicare Advantage plans are not modelled, and the day-band coinsurance is not split across separate stays.
The page also declines to print a total when stays, Part B services and skilled nursing days are all zero. With nothing to price beyond the Part B premium itself, it returns a warning asking for one of the three instead. Figures are the 2026 CMS amounts, verified against the official text and kept on record, and an automated check before release blocks any drift. An estimate, not a return, and not tax advice.
Danfio