Original Medicare
includes Part A and Part B and is managed by the federal government. It helps cover hospital and medical care, but it does not cover all healthcare costs. That is why many people look at Medicare Supplement, Medicare Advantage, or Part D prescription drug options.
Original Medicare
includes Part A and Part B and is managed by the federal government. It helps cover hospital and medical care, but it does not cover all healthcare costs. That is why many people look at Medicare Supplement, Medicare Advantage, or Part D prescription drug options.
Medicare Part A helps cover inpatient care in hospital and skilled nursing facilities, as well as certain home health care and hospice care.
Medicare Part A (Hospital Insurance)
Medicare Part A helps cover inpatient care in hospitals and skilled nursing facilities, as well as certain home health care and hospice care.
Part A Cost
Deductible
You must meet the Part A deductible before Medicare helps pay for covered inpatient hospital expenses.
Premium
Most people do not pay a monthly premium for Part A if they or their spouse paid Medicare taxes for at least 10 years.
Copays
Copayments or coinsurance may apply for certain services, including longer hospital stays or skilled nursing facility stays.
Coinsurance
Part A has coinsurance for:
• Inpatient hospital stays lasting 61–90 days in a benefit period
• Inpatient mental health care lasting 61–90 days in a benefit period
• Skilled nursing facility care lasting 21–100 days in a benefit period
Additional lifetime reserve days may be available for hospital stays, but coinsurance may apply.
Part A Costs
Deductible
You must meet the Part A deductible before Medicare helps pay for covered inpatient hospital expenses.
Premium
Most people do not pay a monthly premium for Part A if they or their spouse paid Medicare taxes for at least 10 years.
Copays
Copayments or coinsurance may apply for certain services, including longer hospital stays or skilled nursing facility stays.
Coinsurance
Part A has coinsurance for:
• Inpatient hospital stays lasting 61–90 days in a benefit period
• Inpatient mental health care lasting 61–90 days in a benefit period
• Skilled nursing facility care lasting 21–100 days in a benefit period
Additional lifetime reserve days may be available for hospital stays, but coinsurance may apply.
Medicare Part B (Medical Insurance)
Medicare Part B helps cover doctor visits, durable medical equipment, outpatient therapy, preventive services, and other outpatient medical care.
Part B Cost
Deductible
You must meet the Part B deductible before Medicare helps pay for many covered medical services.
Copays
Copayments or cost-sharing may be required for certain services, such as outpatient hospital services.
Coinsurance
After the deductible is met, you are generally responsible for 20% of the Medicare-approved amount for certain medical services, including doctor visits, outpatient therapy, and durable medical equipment.
Preventative Care
Many Medicare-covered preventive services, including annual wellness visits and certain screenings, are covered at no cost when eligibility requirements are met.
Premium
Medicare Part B requires a monthly premium. The amount may depend on your income and enrollment timing. This premium is often deducted from Social Security benefits.
Part B premiums are separate from premiums for Medicare Supplement, Medicare Advantage, and Part D prescription drug coverage.
Note about Medicare Part B Limits: Medicare Part B imposes annual limits on services for physical
therapy, occupational therapy, and speech-language pathology.
Medicare Part B helps cover doctor visits, durable medical equipment, outpatient therapy, preventive services, and other outpatient medical care.
Part B Cost
Deductible
You must meet the Part B deductible before Medicare helps pay for many covered medical services.
Copays
Copayments or cost-sharing may be required for certain services, such as outpatient hospital services.
Coinsurance
After the deductible is met, you are generally responsible for 20% of the Medicare-approved amount for certain medical services, including doctor visits, outpatient therapy, and durable medical equipment.
Preventive Care
Many Medicare-covered preventive services, including annual wellness visits and certain screenings, are covered at no cost when eligibility requirements are met.
Premium
Medicare Part B requires a monthly premium. The amount may depend on your income and enrollment timing. This premium is often deducted from Social Security benefits.
Part B premiums are separate from premiums for Medicare Supplement, Medicare Advantage, and Part D prescription drug coverage.
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