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wendy@simpleinssolutions.com

Office Hours

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Closed Saturday & Sunday

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Original Medicare

Also Known As - Medicare Parts A & B

What is Original Medicare?

Medicare is health insurance for people 65 or older, certain people under 65 with disabilities, and people of any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant).  It includes Medicare Parts A & B.

Medicare Part A (Hospital Insurance) helps cover...

     * Inpatient care in hospitals

        * Skilled nursing facility care after a covered hospital stay

        * Some home health and hospice care

Medicare Part B (Medical Insurance) helps cover...

       * Services from doctors & other healthcare providers

       * Outpatient care

       * Home health care

       * Durable medical equipment

       * Many preventive services

 Remember:  Medicare parts A & B both have Deductibles, co-pays and co-insurance amounts you must pay depending on the services you receive.  There is no limit on how much you pay out-of pocket per year unless you have supplemental coverage. 

How to sign up for Original Medicare?

Some people are enrolled automatically for Medicare parts A&B.

* People already receiving social security or railroad retirement board benefits  

- Medicare will begin the 1st day of the month in which you turn 65. 

(If your birthday is on the 1st of the month, benefits will begin the first of the prior month).

 

* People under 65 & on Disability

- Medicare will begin the first of the 25th month in which you receive disability benefits

Please Note:  If automatically enrolled, you’ll get your red, white, and blue Medicare card

in the mail 3 months before your 65th birthday or 25th month of disability benefits.

Some people must sign up for Medicare parts A&B.

* People close to turning 65 but not getting social security or railroad retirement board benefits

- You must sign up.  Let me help you contact social security 3 months before your 65th birthday. 

 

* People with end stage renal disease who want medicare

- You must sign up.  Let me help you contact Social Security to find out when and how to sign up.

Does Original Medicare Cover Everything?

Original Medicare helps pay for hospital care and doctor visits, but it doesn't cover everything.

Here are some examples of the things that Original Medicare doesn't cover:

  • Prescription drugs              

  • Most dental care including dentures

  • Cosmetic surgery

  • Eye examinations related to prescribing glasses

  • Hearing aids and exams for fitting them

  • Long-term care 

  • Acupuncture 

  • Most care while traveling outside the United States                     

What if I want more than Original Medicare?

You have 2 choices

after enrolling in Medicare A & B

Option 1

ADD ONE OR BOTH OF THE FOLLOWING

TO ORIGINAL MEDICARE

OR

OFFERED BY PRIVATE COMPANIES

Medicare Supplement Plans

Covers some/all of the

costs not paid by Original

Medicare Parts A and B as long as Medicare pays it's portion

OFFERED BY PRIVATE COMPANIES

Medicare Part D, Prescription Drug Plans

Part D covers
Prescription Drugs

Option 2

CHOOSE A MEDICARE ADVANTAGE PLAN

OFFERED BY PRIVATE COMPANIES

Medicare Advantage Plans

Part C Combines Part A (Hospital) and Part B (Medical).

may provide additional benefits such as dental, vision, hearing

Most advantage plans include prescription coverage