MEDICARE

‍Original Medicare is the federal health insurance program provided directly by the U.S. government. It includes Part A (Hospital Insurance) and Part B (Medical Insurance) and is available to most people age 65 and older, as well as certain younger individuals with disabilities.

Original Medicare allows you to see any doctor or hospital in the United States that accepts Medicare — without needing referrals or network restrictions.

What Does Original Medicare Cover?

Original Medicare is made up of two parts:

Medicare Part A – Hospital Insurance

Part A generally covers:

• Inpatient hospital stays

• Skilled nursing facility care (short-term, after a hospital stay)

• Hospice care

• Some home health care

Medicare Part B – Medical Insurance

Part B generally covers:

• Doctor visits

• Outpatient services

• Preventive care

• Lab work and imaging

• Durable medical equipment

What Original Medicare Does NOT Cover

Original Medicare does not typically cover:

• Routine dental care

• Vision exams for glasses

• Hearing aids

• Most prescription drugs

• Long-term custodial care

Because of these gaps, many people choose additional coverage.

• What Is a Medicare Supplement (Medigap) Plan?

• What Are Medicare Advantage Plans?

• Medicare Part D Prescription Drug Plans

How Much Does Original Medicare Cost?

While many people qualify for premium-free Part A, you are generally required to pay:

• A monthly Part B premium

• Deductibles for Part A and Part B

• 20% coinsurance for most Part B services

• No annual out-of-pocket maximum

One important thing to understand:
Original Medicare does not cap your out-of-pocket costs. That’s why many beneficiaries add a Medicare Supplement plan to limit financial exposure.

Do You Need Additional Coverage?

Most people enrolled in Original Medicare also enroll in:

• A Medicare Supplement (Medigap) plan to reduce out-of-pocket costs

• A Part D prescription drug plan for medication coverage

Choosing the right combination depends on your health needs, budget, and long-term goals.

Is Original Medicare Right for You?

Original Medicare may be a good fit if you:

• Want the freedom to see any provider that accepts Medicare

• Travel frequently within the U.S.

• Prefer minimal network restrictions

• Plan to pair it with a Medicare Supplement plan