With a Medicare Advantage plan after I reach the max out of pocket, $3,000 or more, will I have any copays or fees the rest of the year?

Question

Nathan Danovski · Accepted Answer

Once you reach your maximum out-of-pocket (MOOP) limit on a Medicare Advantage plan, you will not pay any more copays, coinsurance, or other out-of-pocket costs for Medicare-covered services for the rest of the calendar year. That means:

No more copays for doctor visits, hospital stays, or outpatient services

No coinsurance for procedures, labs, or diagnostic tests

Your plan covers 100% of covered medical services after you hit the MOOP

Steve and Sue Brauer · Answer

Hi, thanks for watching. My name is Steve and I'm the husband half of the husband and wife Medicare team here in Arizona. So the question we have today is someone's asking for the Medicare Advantage plan after they reach the maximum yearly out-of-pocket of $3,000 or more. Will they have co-pays or fees the rest of the year?

So the short answer to that is no, they will not have any more co-pays. But I'll tell you something, I've been doing this for 20 years and I've seen one time where somebody met their yearly max. I mean, it could happen, but it's pretty rare because the way the Advantage plans are set up, it's a co-pay based model. It's a pay-as-you-go model.

So when you go into the hospital, there's a co-pay depending on how many days you stay. If you need an ambulance, there's a co-pay for that, and for the doctor visit, there's a co-pay too. But the co-pays are pretty low. So to reach a $3,000 or $4,000 yearly maximum, it's pretty hard to do. I mean, you have to have services and issues the entire year to even get close to that.

But to answer the question that the person's posing, once you reach that maximum, that's it. That's the ceiling for in-network benefits.

Mike Alexander · Answer

For medical and hospital once you reach the Moop,for that year, then you would not have any out of pocket except for Pres drugs

Norman Smith · Answer

The Medicare Advantage plans cover the Part A and Part B of Medicare expenses. So, although you mostly won't have any concerns about paying more out of pocket above that, you will still have to pay for your Part D prescriptions, any dental or vision, gym costs, etc. If you have any needs that take you Out of Network, you will be responsible for those costs as well.

Answered by Norman Smith on August 29, 2025

Agent Licensed in FL, AL, NJ & PA

Answered by Norman Smith Medicare Insurance Agent

John Becker · Answer

I will assume that from your statement that $3000 is your MOOP on your Advantage Plan?

If that is the case.... No, you will not have any copays or fees for covered services for the rest of the year after you reach your plan's annual out-of-pocket maximum. Once this limit is met, the Medicare Advantage plan pays 100% of the costs for covered services for the remainder of the calendar year.

Ronnie Robinson Jr · Answer

Only if the prescriptions are not included in that MOOP. More details are needed to fully understand!

Clarence &quot;Mark&quot; Christiansen · Answer

Yes, that's right. Once you reach the out-of-pocket maximum for covered health services (not counting Part D prescription drug costs which are treated separately), your Advantage plan will pay out @ 100% for Medicare-covered and plan-covered health services. Be sure to get prior authorizations from your Advantage plan before taking on anything out of the ordinary such as CT scans, MRI's, surgeries, infusions, certain durable medical equipment and / or hospital stays. "Medically necessary" health services will generally be covered and will count towards your out-of-pocket maximum with a Part C Medicare Advantage plan.

Answered by Clarence "Mark" Christiansen on October 14, 2025

Agent Licensed in WI, AZ, CA & 16 other states

Answered by Clarence "Mark" Christiansen Medicare Insurance Agent

James Carlson · Answer

This is a good question. Most younger beneficiaries would not be concerned. As we all age, the risk of excessive costs and payments grows. What is my risk of some continued OOP fees.

Sherry Rose · Answer

Based on your individual plan once you reach your total out of pocket you should not have any additional cost for your part A and B coverages.

Phillip Davis · Answer

Once you reach your Max out-of-pocket (MOOP) you should no longer have copays. The max out-of-pocket is just that. Your plan should pay for all approved covered services after the MOOP has been met.

Chad Sickle, RN · Answer

No, but you may still have drug copays. Those are separate. 
You need to stay in network if you have an HMO.

Angie Templin · Answer

Medicare Advantage Plans with Built in Part D (presription benefit) will have 2 different out of pocket maximums: one for Medicare covered medical treatments as outlined by the plan and the Annual Part D Castostrophic covage limit ($2100 in 2026). If either of these out of pocket responsibilities are met, your medical treatments or prescriptions would be $0 copay the remainder of the year for that catagory.

Answered by Angie Templin on June 2, 2026

Broker Licensed in TX

Answered by Angie Templin Medicare Insurance Agent

David Didier · Answer

Hello, 

With a Medicare Advantage Plan.  
Once you do reach your MOOP (Maximum Out Of Pocket), on your plan limit,
all charges or any fees that are approved are paid for the rest of the year. 

Your MOOP, (Maximum Out Of Pocket), amount starts up in January. for the next year.

Hope this helps!

Grant Evans · Answer

You will not have anymore copays or fees for medical reasons, but you still will have prescription costs. Your medical out of pocket cost is separate from your prescription out of pocket cost.

Richard Smith · Answer

Once you meet your plans max out of pocket the plan usually pays 100% as long as you are in network with your plan. This is for health only. Drugs have their own deductible and max out of pocket that they don’t apply to the health deductible or health max out of pocket.

Answered by Richard Smith on February 9, 2026

Broker Licensed in SC, MD & NC

Answered by Richard Smith Medicare Insurance Agent

Sabri Amara · Answer

Nope. If you reach your plans max out of pocket then your plan will cover your medical costs for the year. Keep in mind Medical and prescriptions have different max out of pocket limits.

Andrew Zurbuch, MBA · Answer

If you reach your Medicare Advantage policy maximum out of pocket for medical insurance  during the year, then you won't have copays or coinsurance to pay for approved claims during the same calendar year. Medical claims that are approved. Prescription out of pocket costs by you doesn't go towards the maximum out of pocket for medical insurance. The lower the MOOP on a Medicare Advantage plan the more advantages it is for the insured. 
Go to www.locatemedicareinsurance.com for Medicare information. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

David Ryerson · Answer

The max out of pocket is a cap on expenses you may have for covered medical services (copays, etc). If your costs hit this cap, you generally don't have any more out of pocket costs for covered expenses for the rest of the calendar year. This cap does NOT include prescription medicines, or expenses for services not covered under the plan.

Answered by David Ryerson on September 22, 2025

Agent Licensed in AR, KS, MO & OK

Answered by David Ryerson Medicare Insurance Agent

Armand Smith · Answer

You will always have copays for specialist and primary care if your plan has those copays as well as copays for many out patient procedures.
I recommend purchasing a hospital indemnity plan to help off set those hospital copays. These plans are very reasonable in cost.

Nancy Courser · Answer

Once you reach the Maximum Out of Pocket threshold, you will not have any co-pays or co-insurance for the balance of the year as long as the services are covered by Medicare and are medically necessary. The $ 3,000 does NOT include Part D medications (co-pays, co-pays, etc.) If you have a monthly premium, you are still responsible for paying the monthly premium through the rest of the year.

Answered by Nancy Courser on December 29, 2025

Agent Licensed in MI, FL & TN

Answered by Nancy Courser Medicare Insurance Agent

Heidi Wotton · Answer

Once you hit the max out-of-pocket on a Medicare Advantage plan, you shouldn’t have any more copays for covered medical services for the rest of that plan year. That’s the point of the limit. Just make sure the services are in-network and medically covered by the plan.

Answered by Heidi Wotton on November 8, 2025

Agent Licensed in ME, FL, LA & 7 other states

Answered by Heidi Wotton Medicare Insurance Agent

Maureen Wark · Answer

As long as your service are Medicare-eligible and covered by your plan, and network, you should have no additional medical expenses. There may be exceptions if for instance you obtain care from a provider who does not accept Medicare or is not in your plan's network. Prescriptions, dental, vision, hearing benefits do not apply to that maximum.

Answered by Maureen Wark on December 29, 2025

Agent Licensed in MI & FL

Answered by Maureen Wark Medicare Insurance Agent

Kent DeFord · Answer

Assuming that is your Out of Pocket Maximum, you would not have any additional copays or coinsurance for Medicare-approved medical expenses in network the remainder of the year. Medicare-approved medical expenses do not include prescriptions, dental, vision or hearing costs.

Answered by Kent DeFord on October 6, 2025

Agent Licensed in IN

Answered by Kent DeFord Medicare Insurance Agent

Andrew Kramer · Answer

Max out of pocket means exactly what it says. It's the total you paid for all health services in either co-pays or co-insurance, on your plan, year to date. Rx costs are excluded from that because the Rx MOOP is $2,000. So if you reach your MOOP of health costs, then yes, you will not have any further co-pays or co-insurance, again, excluding Rx's.

Answered by Andrew Kramer on August 29, 2025

Agent Licensed in FL

Answered by Andrew Kramer Medicare Insurance Agent

Carol Thompson · Answer

IF your MOOP is $3000 - then that is the most you should pay within a one calendar year per Center of Medicare and Medicaid services.

Alicia Tyring · Answer

For medicare advantage, the max out-of-pocket is the most that your would pay per calendar year. Keep in mind that your part D and any non-medicare covered services do not contribute to the annual amount.

Answered by Alicia Tyring on November 7, 2025

Broker Licensed in IN, AL, AR & 42 other states

Answered by Alicia Tyring Medicare Insurance Agent

Bruce Resnick · Answer

Once you have reached the Max Out Of Pocket or MOOP, you should have no more copays, co-insurance, or deductibles on your MEDICAL services. However, the MOOP cap does not apply to Part D prescriptions, if prescription coverage is included in your Medicare Advantage plan. Prescriptions have their own set of seperate rules and spending caps.

Answered by Bruce Resnick on January 26, 2026

Broker Licensed in TX

Answered by Bruce Resnick Medicare Insurance Agent

Jamie Blake · Answer

Medicare Advantage Plans, Part C. Max Out Of Pocket (MOOP) 

MOOP may differ between different Carriers and each of their plans; in network and out of network services.

What Counts: Deductibles, copayments, and coinsurance for Part A Hospital and Part B Medical services only will count toward the limit.

What Doesn't Count: 
Monthly premiums typically do not count toward the maximum out-of-pocket amount.  Part D Prescription cost do not count, it has a $2100 cap on covered drug costs in 2026.

After Reaching the Limit: 
Once the MOOP is reached, the plan pays for covered services for the rest of the year.

Why It Matters: These limits protect beneficiaries from catastrophic healthcare

Sean Macbean · Answer

To protect you from excess charges, all Medicare Advantage plans have a max out of pocket charge, ( MOOP). 

Your co-insurance, co-pays, and deductibles all count toward this number. 

Once you reach your (MOOP) limit, your MA plan will cover 100% of your costs. In 2025 it was an average of $9,350. 

In short, meeting your deductible, means your plans full coverage has kicked in, however, does not remove additional costs. 

The system is designed with multi-layers of co-pays, co-insurance, and premiums. Once you reach your (MOOP)
Maximum, your plan will pay for 100% of your covered costs.

Angelina Watkins · Answer

Typically, once you reach your maximum out of pocket (MOOP) limit, your plan will cover 100% of the costs for covered services for the remainder of the year. The MOOP includes deductibles, copayments, and coinsurance for eligible services. Be sure to check you specific plan benefits for your coverage to verify.

Answered by Angelina Watkins on November 1, 2025

Agent Licensed in OH, FL, GA & 5 other states

Answered by Angelina Watkins Medicare Insurance Agent

Alisa Mathis · Answer

If you reach the Maximum Out-of-Pocket (MOOP) cost for your Medicare Advantage plan, you won’t have any more out-of-pocket cost (i.e., copays, coinsurance) on covered services the rest of the year.

Kelly Allen · Answer

This is a great question and one that I think can be misunderstood. Most plans have different Out of Pocket Maximum values. I always explain it like a reverse Checking Account - You start with, let's use the example of $3,000 and every time you pay a Deductible-Coinsurance-Copay it gets deducted from the $3,000 (MOOP) Maximum Out Of Pocket. If you ever reach that Dollar Amount the Health Insurance Company pays remaining charges for the remainder of that Calendar Year. Remember, Medicare Advantage Plans work on a Calendar Year - January 1st to December 31st.

Answered by Kelly Allen on November 3, 2025

Broker Licensed in FL, AR, AZ & 21 other states

Answered by Kelly Allen Medicare Insurance Agent

Alaina Frederick · Answer

Not for medical expenses. This is when the plan takes over and pays the remainder of the year. You will have a Part D Prescription max of $2,100 for 2026. Once you have spent$2,100 at the pharmacy, then the plan will pick up this expense as well.

Answered by Alaina Frederick on October 16, 2025

Agent Licensed in MO, AZ, IA & KS

Answered by Alaina Frederick Medicare Insurance Agent

Alyssa Scripter · Answer

Once your total in‑network cost sharing hits the plan’s MOOP, you pay $0 for all Medicare‑covered medical services for the rest of that calendar year.

Rebecca Bilbrey · Answer

If you have a Medicare Advantage plan, your max out-of-pocket is related to your doctor, lab, hospital, and other non-pharmacy services. The amount of your max out-of-pocket depends on what plan you are on. Once you reach your max out of pocket in that situation, you should not owe any other copays except those related to Part D drugs … through year-end.

The max out-of-pocket for a Part D drug plan in 2026 is $2,100; after which you pay $0 for your covered Part D drugs for the remainder of the year.

There is no max out of pocket for Original Medicare or Medicare Supplement plans.

Please contact the agent to discuss your individual situation. If you do not have an agent, contact me for that discussion.

With a Medicare Advantage plan after I reach the max out of pocket, $3,000 or more, will I have any copays or fees the rest of the year?

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With a Medicare Advantage plan after I reach the max out of pocket, $3,000 or more, will I have any copays or fees the rest of the year?

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