Making Sense of Original Medicare

Explore the Right Medicare Coverage for You

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Understanding Your Medicare Options

Medicare is a federal health insurance program for people
aged 65 and older and for individuals with certain
disabilities or chronic conditions. Original Medicare is the
foundation of this coverage, offering access to essential
hospital and medical services through Part A and Part B. It
is widely accepted by providers across the country and
helps cover many important healthcare needs. However, it
does not cover all healthcare costs. Many people choose to
explore additional coverage options to help fill in the gaps.

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Get Started With Medicare Plans

Am I Eligible?

Check if you qualify by age, disability, ESRD, or ALS.
When to Enroll?

Find your enrollment window to avoid penalties.
What Medicare Covers?

Learn what Parts A and B include and what they don’t.
Help Choosing a Plan?

Our licensed agents can help you review your options.

Key Features of Original Medicare

Medicare Part A Coverage

Helps cover hospital stays, skilled nursing, hospice, and some home health services. Premium-Free if you or your spouse paid Medicare taxes for 10+ years or worked enough to qualify through Social Security or Railroad benefits.

Medicare Part B Coverage

Helps cover doctor visits, outpatient care, preventive services, lab tests, mental health care and durable medical equipment. You will pay a monthly premium, annual deductible, and typically 20% coinsurance for covered services.

Costs in Original Medicare

You pay premiums, deductibles, and usually 20% coinsurance. There is no out-of-pocket maximum. Many add Medigap for extra coverage and Part D for prescription drug costs.

What’s Not Covered

Original Medicare doesn’t cover most dental, vision, hearing, or long-term care. You may choose Medicare Part D for drug coverage and a Medigap plan to help with extra costs.

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Medicare Plan Options

Medicare Advantage (Part C) combines Part A (Hospital Insurance) and Part B (Medical Insurance) with added benefits like prescription drug coverage (Part D), dental, vision, and hearing services. These plans are offered by private insurance companies approved by Medicare.

Medicare Part D provides prescription drug coverage to lower medication costs. While it’s not included in Original Medicare, it can be added through a standalone Prescription Drug Plan (PDP) or as part of a Medicare Advantage plan. A monthly premium is required for Part D coverage.

Medicare Supplement, or Medigap insurance, works with Original Medicare to help cover out-of-pocket costs like deductibles and copays. However, it doesn’t include prescription drug coverage, so many people also enroll in a standalone Medicare Part D plan.

Medicare
Eligibility and Enrollment

Who is Eligible for Medicare

Age 65 or Older: Eligible if you’re a U.S. citizen or permanent resident. Under Age 65: May qualify with a disability, Amyotrophic Lateral Sclerosis or end-stage renal disease (ESRD) requiring dialysis or a kidney transplant. Work History: You or your spouse must have worked and paid Medicare taxes for enough time, or eligibility may come through a spouse’s record.

When You Can Enroll in Medicare

Initial Enrollment Period (IEP): A 7-month window around your 65th birthday to sign up for Medicare. General Enrollment Period (GEP): January 1 to March 31 each year, with potential late penalties. Special Enrollment Periods (SEP): For qualifying life events like losing employer coverage.

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One-on-One Guidance

Choosing a Medicare health plan can be confusing. Our licensed agents will explain your plan options clearly.
Expert support during enrollment. Choose the best Medicare health plan option with our guidance.
Expert help now and after you enroll. It is completely free! Get personalized help with your Medicare queries.

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Frequently Asked Questions

Do I have to pay for Original Medicare?

Yes. Most people don’t pay a premium for Part A, but everyone pays a monthly premium for Part B. You’ll also have deductibles and coinsurance for care.

Is Original Medicare enough by itself?

Original Medicare covers a lot, but it doesn’t pay for everything. There’s no limit on out-of-pocket costs, and it doesn’t include drug, dental, or vision coverage. Many people choose to add other plans to get more protection.