Help Me Understand Medicare

Original Medicare, also known as Medicare, is made up of two parts: A and B.

Part A is hospital insurance and Part B is medical insurance that covers doctor visits and treatment. Learn more about Medicare terms and resources. 

 

What’s covered?

Medicare Part A

  • Inpatient services received in hospitals
  • Some inpatient care in skilled nursing facilities
  • Hospice and some home health care services

Medicare Part B

  • Doctor visits
  • Outpatient care, like preventive services
  • Some services not covered by Part A, like physical or occupational therapy
  • Some home health care services 

What are the costs?

Medicare Part A

  • No monthly premiums for most people
  • Deductibles
  • Copays and coinsurance
  • No yearly out-of-pocket maximum

Medicare Part B

  • Monthly premiums
  • Deductibles
  • Copays and coinsurance (often you will pay 20% of cost of covered services)
  • No yearly out-of-pocket maximum

 

Did you know? Medicare Parts A and B don’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 do I enroll in additional plans?

There are two paths you can take to get additional coverage. Both begin with enrolling in Original Medicare.

 

How to Get Affordable Full 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.
Child pulling a sled with grandfather in the snow

Have questions? We’re here to help.

Talk to a Generations Advantage health plan specialist 8 am–
8 pm, seven days a week from October to March 31; and Monday through Friday the rest of the year.

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.