Original Medicare is a Federal Program that consists of Medicare Part A and Medicare Part B, and covers medically necessary services. Original Medicare provides good coverage but only covers 80% of covered expenses and does not cap out-of-pocket costs.
Lets take a closer look to better understand what is and is not covered by Original Medicare.
Medicare Part A is often referred to as hospital insurance and generally covers the following services.
- Inpatient Hospital Care
- Skilled Nursing Facility Care
- Behavioral and Mental Health
- Hospice Care
- Home Health Services
- Nursing Home Care
To find out the full coverage provided by Medicare Part A, visit the official coverage of Medicare Part A on Medicare.gov.
Medicare Part B helps cover both Medically Necessary Services and Preventative Services. More specifically, Medicare Part B covers the following.
- Ambulance services
- Clinical research
- Durable medical equipment (DME)
- Limited outpatient prescription drugs
- Mental health and substance use disorders
- Oxygen equipment and accessories
To learn more about the full range of benefits provided by Medicare Part B, visit the official Medicare Part B on Medicare.gov.
Switching from Original Medicare without any supplemental coverage to a Medicare Advantage plan could help limit your out-of-pocket medical costs. With a Medicare Advantage plan or Medigap insurance, you could limit how much you pay in a single year for healthcare.
To learn more about Medicare additional coverage, visit our page on Additional Coverage.
