Original Medicare is health care insurance provided through the federal government. It is sometimes called “traditional” Medicare.
Original Medicare includes Part A and Part B.
Part A helps pay for inpatient care in the hospital or a skilled nursing facility.
Part B helps pay for outpatient care, such as doctor visits, preventive care and more.
Medicare has four parts which include Part A, B, C and D. We will discuss each part below to help you get a basic idea of how the program is structured.
Part A covers inpatient hospital stays, semi-private room, food and medical tests. The maximum length of stay is approximately 90 days with the first 60 days being paid in full by Medicare and the remaining 30 days requiring a co-payment from the patient.
In addition to hospital stays, Part A provides for hospice benefits where terminally ill person with under six months to live are treated by professional care givers.
Part B pays for doctors and some of the services/products not covered under Medicare Part A. It begins after the patient meets their deductible and covers approximately 80% of the Medicare approved services or treatments.
Examples of what Part B covers:
These plans are offered in both HMO & PPO through private companies to fulfill the benefits of Medicare Parts A , Part B and Part D.
Medicare Advantage plans must offer coverage that will meet and/or exceed the standards of the original Medicare program. However, they are not required to cover each benefit similarly.
Medicare Part D offers various prescription drug plans designed and administered by private insurers which meet or exceed Medicare guidelines. Therefore, coverage in a Part D plan can vary greatly. Part D plans are available as “Stand Alone” plans and you should consult your agent for details before making any decisions.
To find help deciding on which Medicare parts are best for you, contact our Medicare specialist today for a free, no obligation conversation about your Medicare options. Call NOW 888-414-1879
The benefit information provided herein is a brief summary, not a comprehensive description of benefits. For more information, contact the plan. Limitations, copayments and restrictions may apply.Medicare.gov