Original Medicare
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Original Medicare, Part A and Part B
- Part A: Hospital Insurance
- Part B: Medical Insurance
Original Medicare is the federal health insurance program offering two main components: Part A (hospital insurance) and Part B (medical insurance). Primarily for people aged 65 and older, it also covers certain younger individuals with specific disabilities or conditions. Below, we’ll explore how each part works, so you can better understand your coverage options.
Part A: Hospital Insurance
Part A generally covers inpatient hospital stays, care in a skilled nursing facility, hospice services, and some home health care. Most beneficiaries don’t pay a premium for Part A if they (or their spouse) paid Medicare taxes long enough. However, you’ll still be responsible for deductibles and coinsurance based on the length of each hospital stay or benefit period.
Part B: Medical Insurance
Part B helps pay for doctor visits, outpatient procedures, preventive services, and certain medical equipment. Unlike Part A, most people pay a monthly premium for Part B, which can vary by income. After meeting an annual deductible, Medicare usually covers 80% of approved charges for Part B services, leaving you responsible for the remaining 20%.
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we’re here to all your questions
Over the years, we’ve helped countless seniors navigate their coverage choices and find the plan that works best for them.
1. How Can a Medicare Advantage Plan Fulfill My Healthcare Needs?
Medicare Advantage (Part C) typically bundles hospital, medical, and sometimes prescription drug coverage into a single plan. Many also include extra perks, such as dental or vision coverage. This can help lower your overall costs and streamline your benefits.
2. Do Any Plans Offer Surprising Extras?
Yes! Certain Medicare Advantage plans go beyond basic coverage to include perks like gym memberships, transportation to medical appointments, or allowances for over-the-counter items. These extras can make a significant difference in both convenience and savings.
3. Why Not Just Rely on Official Government Resources?
While sites like Medicare.gov are informative, the volume of information can be overwhelming. We make it easier by focusing on your specific health needs, location, and budget—so you won’t waste time sifting through every possible plan.
4. What If I Missed My Initial Enrollment Opportunity?
If you didn’t sign up for Medicare during your initial window, you may still qualify for a Special Enrollment Period (SEP) if you’ve had certain life changes (such as moving or losing other coverage). Otherwise, there are set times each year to enroll or switch plans—making it essential to know your options and deadlines.
