Original Medicare: Understanding Your Medical Insurance Options

Medicare is a federal government health insurance program primarily for people 65 and older. Original Medicare consists of Part A (Hospital Insurance) and Part B (Medical Insurance) and forms the foundation of Medicare coverage.

Part A: Hospital Insurance Coverage

Part A helps cover inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care. Most people qualify for premium-free Part A based on their work history or their spouse's work history.

Part B: Medical Insurance Coverage

Part B covers medically necessary services like doctor visits, outpatient care, durable medical equipment, and many preventive services. Part B has a monthly premium that most beneficiaries pay.

Limitations of Original Medicare

While Original Medicare provides essential coverage, it doesn't cover everything. There's no cap on out-of-pocket spending, and you're responsible for deductibles, coinsurance, and copays.

• No out-of-pocket maximum
• Deductibles and coinsurance apply
• Prescription drugs not covered (need Part D)
• Routine dental, vision, and hearing not covered
• Long-term care not covered

Supplementing Original Medicare

Many beneficiaries add coverage to Original Medicare through Medicare Supplement (Medigap) plans and Part D prescription drug plans. This combination provides comprehensive protection with the freedom to see any doctor who accepts Medicare.