What is Original Medicare?
With Original Medicare, you get your benefits directly from the federal government. Original Medicare has two parts, Part A and Part B. If you have a qualifying work history your Part A benefits are premium free. Original Medicare pays for many services but typically this is at 80% leaving out of pocket expenses. Medigap, or also known as a Medicare Supplement can help pay some or most of the remaining health care costs such as copayments, coinsurance, and deductibles.
Part A & Part B
Let us break down the difference between the two.
Part A covers
| Part B covers
|
What doesn’t Medicare Part A & B cover?
Although Original Medicare coverers a wide variety of services most of those services are not covered at 100% and there are annual deductibles that a Medicare recipient must pay.
Some items that will not be covered by original Medicare are:
- Long term nursing home care for more than 100 days
- Routine foot care
- Acupuncture, naturopathy
- Cosmetic Surgery
- Hearing Aids
- Routine dental care and dentures
- Routine vision care
- Care outside the United States
For more information on the many parts of Medicare, please feel free to reach out to the Pinnacle team and we will gladly help you find the best possible option for your clients.
Bob Brzyski
Vice President, Marketing
x7742 | bbrzyski@pfsinsurance.com
