Original Medicare
Original Medicare is the federal health insurance program for people 65 and older. It consists of Part A (hospital insurance) and Part B (medical insurance), and forms the foundation of most Medicare coverage.
Medicare Part A – Hospital Insurance
Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health services. Most people don't pay a premium for Part A if they or their spouse paid Medicare taxes for at least 10 years.
Medicare Part B – Medical Insurance
Part B covers doctor visits, outpatient care, preventive services, and medically necessary services. Part B has a monthly premium (adjusted based on income) and an annual deductible. After the deductible, Medicare typically pays 80% of approved costs.
Gaps in Original Medicare
Original Medicare does not cover most prescription drugs, dental, vision, or hearing. It also has no out-of-pocket maximum, which means costs can add up. Many beneficiaries add a Medicare Supplement (Medigap) plan and a Part D drug plan to fill these gaps.
We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
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