Medicare Parts A & B

An Original Medicare plan is provided directly through Medicare.

Between Parts A & B, roughly 80% of your healthcare costs are covered.

For most people choosing to enroll in Original Medicare, when they sign up for Part A (Hospital Insurance), they will likely also choose Part B (Medical Insurance). Part A is free for most enrollees. Your monthly premium for Part B however is income-based so will vary based on your personal financial situation.

Part A covers most inpatient-related services, such as in-patient hospital stays, care in a skilled nursing facility and hospice care. Part B covers most medical services, such as doctors’ services, out-patient care, emergency room, medical supplies, and preventive services.

There are many factors that can affect your out-of-pocket expenses under Original Medicare, such as whether your doctor or healthcare provider accepts Medicare, the type of healthcare treatment you need, and if you have other health insurance or supplemental coverage (Medigap).


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