Original Medicare is made up of two parts: Part A, hospital insurance, and Part B, medical insurance. They are the two component parts of the federal health insurance program for 65 years of age or older. They are also available to younger people who qualify based on specific, existing health condition. Before your enrollment into the program, first of all, you need to know about the difference between Part A and Part B.Let’s see what each of them covers!
Medicare Part A covers your hospital expenses. This includes hospital stays, skilled nursing care (as long as custodial care isn’t the only care you need), hospice, and home health-care services. Part A services may require you to pay various deductibles, coinsurance, and copayments.
Many people qualify for premium-free Part A because they or their spouse paid taxes toward Medicare while working for at least 10 years (or 40 quarters). But otherwise, you may have to pay a monthly premium.
Medicare Part A also covers necessary medical supplies and drugs that are administered during your hospital stay. However, it does not cover the fees of doctors associated with your care while you are in the hospital. Medicare Part A also does not cover hospital fees considered medically unnecessary, such as private duty nursing, the television or telephone in your room (if there are separate charges for these), or personal care items such as razors and slippers.
Medicare Part B is your health insurance coverage. Medicare Part B covers medically necessary outpatient services such as routine doctor visits, many emergency medical services, outpatient mental health services and some preventive care measures, such as flu shots. Medicare Part B also covers the equipment and tests administered during these outpatient services. Like Medicare Part A, Medicare Part B covers some medication administered during your visit but not drugs you are prescribed to take after the visit is complete.
Most people pay a premium for Part B. Even if you’re enrolled in a Medicare Advantage plan that provides your Part A and Part B benefits, you still have to pay your Part B premium.
Hopefully, this gives you some basic information about Part A and Part B of Original Medicare. Feel free to visit Medicare.gov for additional information on Part A and Part B coverage. Of course, I am happy to answer any other questions you might have.
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