Original Medicare, also known as fee-for-service Medicare, is the foundation of Medicare health insurance and includes Medicare Part A and Medicare Part B.

Medicare Part A helps cover inpatient hospital stays, skilled nursing facility care following a qualifying hospital stay, hospice services, and certain home health care.

​

Medicare Part B covers doctor visits, outpatient medical services, durable medical equipment, and many preventive services such as annual wellness visits, screenings, and lab tests.

​

Although Original Medicare provides essential health coverage, it does not cover all healthcare expenses. Prescription drug coverage, routine dental care, vision services, hearing aids, and hearing exams are generally not included. As a result, many Medicare beneficiaries face gaps in coverage that can lead to unexpected medical expenses.

​

It’s important to understand that Medicare Part B typically covers only 80% of approved outpatient services, leaving you responsible for the remaining 20%. Because Original Medicare does not include an annual out-of-pocket maximum, these costs can add up quickly and become unpredictable over time.

​

To help reduce out-of-pocket expenses and gain more comprehensive coverage, many people choose to add a Medicare Supplement (Medigap) plan or enroll in a Medicare Advantage plan. These options can help provide additional financial protection and peace of mind.

​

Call us today to speak with a licensed Medicare specialist for a free, no-obligation consultation.