Understanding Original Medicare

Original Medicare is a federal health insurance program that began in the 1960s and is primarily designed for individuals aged 65 and older, as well as certain younger individuals with disabilities. Original Medicare offers different types of coverage, each known as a “part,” which work together to help manage healthcare costs.

  • Medicare Part A helps cover inpatient care, including hospital stays, skilled nursing facility care, hospice, and some home health services.
  • Medicare Part B covers outpatient care such as doctor visits, lab tests, preventive services, mental health care, durable medical equipment, and more.
  • Medicare Part C (also known as Medicare Advantage) is offered by private insurance companies and combines Part A and Part B coverage, often including Part D for prescription drugs and additional plan benefits.
  • Medicare Part D provides prescription drug coverage, helping lower the cost of medications.
  • Medicare Supplement Insurance (also known as Medigap) is offered by private insurance companies and helps pay for out-of-pocket costs not covered by Original Medicare, such as deductibles, coinsurance, and copayments.

Know Your Choices

While Original Medicare (Parts A and B) offers essential coverage, it may not meet all of your healthcare needs. Depending on your budget, prescription drug needs, or desire for additional benefits, you may want to consider other options.

We can help you explore alternatives to Original Medicare like Medicare Advantage Plans or Medicare Supplement plans which complements Original Medicare by helping pay some of the remaining health care
costs for covered services and supplies.

Need Help Navigating Medicare?

Understanding Original Medicare and choosing the right coverage can feel overwhelming, but you don’t have to do it alone. As a local licensed insurance agent, we can guide you through the process and help you make confident, informed decisions about your healthcare and retirement needs.

We can help you:

  • Understand your Original Medicare options and eligibility.
  • Review plan costs, benefits, and coverage choices.
  • Avoid late enrollment penalties.
  • Explore alternatives like Medicare Advantage or Medicare Supplement Insurance plans, which are offered by private insurance companies and may include additional benefits not covered by Original Medicare.
  • Find a plan that fits your health needs and budget.

Get personalized support from a local trusted professional. Call (248) 970-0030 (TTY:711) today to schedule your no-cost, no-obligation consultation.

Benefits vary by plan and location. Not all plans offer all benefits. Limitations and exclusions may apply. Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.

*Disclaimer: This page has not been reviewed or endorsed by Medicare.gov or any member of the Centers for Medicare & Medicaid Services (CMS).