Original Medicare is a federal health insurance program that helps millions of people in the United States pay for their healthcare. It was signed into law by President Lyndon B. Johnson on July 30, 1965. Since then, it has become a vital resource for people as they age and need more medical support.

How It Works

Original Medicare is divided into two main parts. Think of them as two different “buckets” of coverage:

• Part A (Hospital Insurance): It has a deductible of $1,736 in 2026. This helps cover stays in the hospital, care in a skilled nursing facility, hospice care, and some home health care. Most people do not pay a monthly fee (premium) for Part A because they paid for it through their taxes while they were working.
• Part B (Medical Insurance): Covers 80 %, you pay 20 %with no cap. This helps cover “outpatient” services. This includes visits to your doctor, many lab tests, X-rays, and medical equipment like wheelchairs. It also covers preventative services, including flu shots and screenings.

Important Details

When you use Original Medicare, you can go to almost any doctor or hospital in the country, as long as they accept Medicare. Unlike many private insurance plans, you usually do not need a referral to see a specialist. However, Original Medicare does not cover everything. It usually does not pay for most dental care, eye exams for glasses, or hearing aids. Most importantly, it does not cover most prescription drugs. Many people choose to add a separate Part D plan to help pay for their medicines.

To see a full list of what is covered, you can visit the official CMS Medicare Coverage page.

Conclusion:

You need to understand what Medicare covers and what Medicare does not cover so that you can make an informed decision on your health insurance needs now and in the future.

Each year, as Medicare makes changes, it is best to keep up to date so you understand how it will affect you in the upcoming year.

You can compare and apply for Medicare Advantage Plans and Medigap Plans from multiple companies in your area. If you live in one of the following states, tap on the state: Arizona, California, Nevada, Oregon, or Washington.

If you prefer to speak to a licensed agent, call 800-641-3315 and ask for Roy, or tap on Set Phone Appointment.

If you live near Huntington Beach, California, and are looking for an experienced local Independent Medicare Agent, please visit Welch Insurance for Medicare.