Original Medicare is a program that provides completely free medical care to persons aged 65 and older. Eligible persons include U.S. citizens, legal alien permanent residents, and eligible non-citizen nationals (Lawful Permanent Residents (LPRs) and refugees).
As such, it provides important health coverage for many Americans. However, it does not provide all the medical benefits available in the United States. Eligible persons must enroll in Original Medicare (Parts A and B). Enrollment can be done online or by phone, but not in person. Before signing up, beneficiaries should first check their eligibility for Original Medicare.
Medicare part A
Part A of Original Medicare is the hospital part of the program. It covers inpatient hospital services, including inpatient nursing care, laboratory services, diagnostic services for physical or mental conditions, and office visits. Drugs are not covered by this part of Original Medicare.
What are the benefits of Part A?
Part A benefits include hospital services (inpatient and outpatient), nursing home care, laboratory services, X-ray services, and physician services. These benefits must be paid directly by the patient to the medical facility. As such, beneficiaries should check with their physician if any of these costs are not already covered by their health insurance plan (e.g., out-of-pocket cost).
What are the limits on Part A?
Other than the deductible, there are no limits to the hospital services covered by Part A. Outpatient prescription drug costs, however, have a cost limit for inpatient admissions. The cap is 100 days of the drug cost per calendar year.
Medicare Part A
Part B of Original Medicare covers physician services, outpatient hospital services, and other services such as lab tests and preventive care. It also covers durable medical equipment (including wheelchairs), ambulance service, and certain preventative healthcare (such as flu shots). Part B is optional. Enrollment only takes place if a beneficiary wants this coverage.
What Are the Benefits of Part B?
Part B provides medical services from a variety of providers. These include doctors, chiropractors, surgeons, physical therapists, optometrists, podiatrists, dentists, and many other practitioners. Beneficiaries must receive these services from eligible practitioners who are members of Medicare’s provider network.
What Are the Limits on Part B?
There are no limits to the coverage provided by Part B, but beneficiaries can pay a monthly premium or utilization review fee. It is commonly known as the “Part B deductible” and is equivalent to 1% of their monthly income. Additionally, beneficiaries must pay 20% of their total Medicare cost for many services (such as home health services). There are also co-pays for certain services (like the Part B deductible, medical supplies, and home health services).
Many Americans choose to purchase supplementary coverage from private insurers. These plans can provide prescription drug benefits and other supplemental benefits not covered by Original Medicare. However, these must be bought separately and paid for out-of-pocket. Because these plans must be purchased separately, beneficiaries should research all their options and compare costs before making a final decision.
Medicare Advantage Is an Alternative to Original Medicare
Medicare Advantage is a private alternative to Original Medicare notes specialist from www.clearmatchmedicare.com. Enrolment in Medicare Advantage must be done online or by phone, but not in person. Beneficiaries can choose between five different options. They will pay the monthly premium on the part of their Original Medicare that they keep after meeting their Part A deductible. They can also purchase supplemental coverage from Medicare Advantage plans.
How Do I Enroll?
Enrolment in Original Medicare is a simple process that can be completed online or by phone. Before signing up, beneficiaries should first check their eligibility for Original Medicare. Beneficiaries can check their eligibility by entering their personal information on the Social Security website, including birth date and social security number.
Private insurers provide complementary medicine to Original Medicare; however, the complete form of healthcare available is provided by Original Medicare. With few exceptions, most medications are not covered by Original Medicare, so beneficiaries who want to take prescription drugs or have other medical needs that Original Medicare does not cover must buy supplementary coverage from a private insurer.