What’s new for Medicare in 2025?

If you have Medicare Part D and your out-of-pocket costs for covered drugs reach $2,000, you’ll pay nothing for covered Part D drugs for the rest of your plan year. This includes no copayment or coinsurance, as well. And starting in 2025, you’ll also have the option of spreading your drug costs across monthly payments throughout the year—with no interest on your balance. 

In 2025, the Part D “donut hole,” or coverage gap, will close. Once you reach your Part D deductible, you’ll pay no more than 25% of the cost for Part D drugs covered by your plan until you reach the new maximum out-of-pocket drug cost of $2,000. And once you reach that $2,000 limit, you’ll pay nothing for covered Part D drugs for the rest of the year. 

A caregiver can be so much more than just a babysitter. They may help with medical needs or simple activities of daily living like preparing meals, helping with bathing or using the toilet. It can be a real challenge. That’s why, beginning in 2025, Medicare Part B will help cover certain caregiver training services. Your doctor must determine that this training will help support your overall treatment plan and that help from a caregiver is, in fact, necessary. As with many other services offered by your healthcare provider, you’ll pay 20% of the approved cost and your Part B deductible will apply. 

Medicare Part B offers coverage for expanded mental health care to help members dealing with things like depression and anxiety. This care may include services from marriage and family therapists or other mental health counselors. It may also help cover intensive outpatient program services in certain locations. 

Beginning Jan. 1, 2025, you must be in an office or medical facility located in a rural area to use most telehealth services. Certain telehealth services, including appointments for mental and behavioral health, may still be covered from your home no matter where you live. As always, you’ll pay 20% of the Medicare-approved amount for your healthcare provider services and your Part B deductible still applies.

For a full list of what’s new for Medicare in 2025, check out the official U.S. government handbook “Medicare & You 2025.”