Help Me Understand Medicare
What is Original Medicare?
Original Medicare (often just called “Medicare”) is a federal program that provides health insurance for people 65 and older and other people with certain disabilities. Under Original Medicare, you can receive your services from any qualified health care provider in the US who accepts Medicare.
Original Medicare is made up of Medicare Part A (hospital insurance) and Medicare Part B (medical insurance covering doctor visits and treatment).
Medicare Part A
WHAT'S COVERED?
- Inpatient services received in hospitals
- Some inpatient care in skilled nursing facilities
- Hospice and some home health care services
WHAT ARE THE COSTS?
- No monthly premiums for most people
- Hospital admission deductible (per benefit period, which is 60 consecutive days between admissions)
- Copays and coinsurance
- No yearly limit on your out-of-pocket costs
Under Original Medicare, you can receive your services from any qualified health care provider in the US who accepts Medicare.
Medicare Part B
WHAT'S COVERED?
- Doctor visits
- Outpatient care, like preventative services
- Some services not covered by Part A, like physical or occupational therapy
- Some home health care services
WHAT ARE THE COSTS?
- Monthly premiums
- Annual deductible
- Copays and coinsurance (often you will pay 20% of cost of covered services)
- No yearly limit on your out-of-pocket costs
DID YOU KNOW? ORIGINAL MEDICARE DOESN'T COVER EVERYTHING
Original Medicare doesn’t pay 100% of the cost of services it covers, and some things aren’t covered at all, like prescription drugs (Part D), dental, eye, foot and hearing care, most care outside the US, long-term care, and more.
HOW TO GET AFFORDABLE, FULL HEALTH CARE COVERAGE
If you want one health plan that includes Parts A and B, plus Part D Prescription Drug coverage and more, choose a Generations Advantage plan.
Still have questions? Get in touch with us today.
Let’s talk about your health needs and how our plans help you keep doing the things you love. Call us today to find out more about Martin’s Point Generations Advantage plans.
1-800-961-4572 (TTY 711)
Did you know? Financial help is available.
There are several state and federal programs that provide assistance with Medicare costs for Part A, Part B, and Part D. Eligibility varies by state and is determined by income and assets. You can contact the Social Security Administration online, call 1-800-772-1213 (TTY/TDD: 1-800-325-0778), or visit your local Social Security office to see if you are eligible.