Understanding Original Medicare: What Does It Cover?

Quick Overview

Original Medicare, predominantly known as Part A and Part B, is the foundation of Medicare coverage in the U.S. Through this comprehensive guide, you'll discover what Original Medicare covers, its limitations, and why considering supplemental insurance might be a wise choice.

Introduction to Original Medicare

Original Medicare, overseen by the Centers for Medicare & Medicaid Services (CMS), comprises two main parts: Part A and Part B. While it provides a broad spectrum of coverage for beneficiaries, understanding its precise coverage can help individuals make informed decisions about their healthcare needs.

Part A Medicare: Hospital Insurance

Part A Medicare, often termed as hospital insurance, mainly covers inpatient care in hospitals, skilled nursing facility care, hospice care, and sometimes, home health care. Despite its comprehensive nature, it's imperative to note that not all costs associated with hospital stays or skilled nursing facilities are covered.

Part B Medicare: Medical Insurance

Part B, in contrast, covers outpatient care. This includes services from doctors and other healthcare providers, outpatient care, home health care, durable medical equipment, and several preventive services. It acts as a cushion against the potential financial impact of routine doctor visits and preventive services.

Limitations of Original Medicare

While Original Medicare offers substantial coverage, it doesn’t cover everything. Certain aspects like long-term care, dental or vision care, and cosmetic surgeries remain uncovered. This is where the significance of Medicare Advantage Plans and Supplemental Insurance comes into the picture. These plans, offered by private insurance companies like Aetna, United Healthcare, and Humana, can fill the gaps left by Original Medicare.

Why Seek Guidance on Medicare Coverage?

Medicare, with its myriad of parts and plans like HMO, PPO, PFFS, and POS, can be daunting. Ensuring that you have the right coverage tailored to your needs is crucial. By seeking expert guidance from Truth Medicare and our partners, you can navigate the complexities of Medicare Eligibility, weigh in the pros and cons of each plan, and make well-informed decisions that cater to your healthcare needs.