Original Medicare
Original Medicare, which includes both Part A and Part B, forms the foundation of Medicare coverage. It's the traditional fee-for-service program offered directly through the federal government.
Part A – Hospital Insurance
Coverage: Covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
Cost: For most people, Part A is premium-free if they or their spouse paid Medicare taxes while working. However, there might be deductibles and co-payments.
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Enrollment: Automatic for those who are already receiving Social Security benefits. Others need to enroll manually.
Part B – Medical Insurance
Coverage: Helps cover certain doctors' services, outpatient care, medical supplies, and preventive services.
Cost: There's a monthly premium for Part B, which might vary based on income. Some individuals may be eligible for coverage with different dual-enrollment plans.
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Enrollment: Automatic for some, while others need to sign up.
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