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Original Medicare: Parts A & B

Original Medicare is low-cost health insurance that comes from the government. It covers things like hospital stays and check-ups. Most people get it when they turn 65, but there are lots of things that it doesn’t cover. We have plans to enhance your Original Medicare coverage, help you pay for the things it doesn’t cover, and help save you money. Let’s talk about Original Medicare, what it covers, and what it doesn’t.

What is Original Medicare?

Original Medicare is made up of Parts A and B. Each covers different parts of your care.

Medicare Part A

Hospital Insurance

Part A includes:
  • Skilled nursing care
  • Inpatient hospital stays
  • Hospice care
  • Some in-home care
Medicare Part B

Medical Insurance

Part B includes:
  • Doctor visits
  • Preventive care
  • Outpatient services
  • Medical supplies
  • Tests and X-rays

Paying for Original Medicare

Let’s look at how most people pay for Original Medicare.

Part A

You may have to pay a premium for Part A, but most people don't. If you or your spouse paid taxes into Medicare while you were working, you won’t have to pay premiums for Part A. If not, you can buy Medicare Part A and we can help cover some of its expenses.

Part B

The cost of Part B varies depending on your income. Social Security uses your tax information to find out what you should pay. Most people pay either $104.90 or $121.80 a month for the Part B premium, and it can be deducted automatically from your Social Security check each month.

Medicare Preventive Health

Take advantage of preventive care! It’s one of the best things you can do for your health. Regular check-ups, tests, shots and screenings can protect you from disease or injury, or lead to early detection and more effective treatment. Original Medicare pays for many preventive health services, and some of our plans cover even more. Here’s a list of preventive services included with Medicare Part B.

Hepatitis B (for people at medium to high risk)

One-Time “Welcome to Medicare” preventive visit (within the first 12 months of having Part B)
Yearly “Wellness” visits

Abdominal aortic aneurysm (for people at risk)
Alcohol misuse (screening and counseling)
Bone mass measurement
Breast cancer (mammograms)
Cardiovascular disease
Cervical and vaginal cancer
Colorectal cancer
Diabetes (for people at risk)
Glaucoma (for people at high risk)
Hepatitis C (for certain ages and people at high risk)
HIV (for people at increased risk)
Pap test
Prostate cancer
Sexually transmitted infections (screening and counseling)

Cardiovascular disease (intensive behavioral therapy)
Diabetes self-management training
Medical nutrition therapy (for people with diabetes or renal disease)
Obesity (intensive behavioral therapy)
Smoking and tobacco use cessation counseling

Medicare Doesn’t Cover Everything But We Can Help

Though Original Medicare pays for many services, it doesn’t pay for everything. Medicare Advantage, Prescription Drug (Part D), Medicare Supplement Plans, and optional vision and dental plans are available for Medicare Eligibles to help you with the things that aren’t covered.

  • Prescription drugs are not covered by Original Medicare, but a Prescription Drug (Part D) Plan can help you save money on your prescription drugs. A Medicare Advantage Plan with Drug Coverage can too.

  • Original Medicare will only pay 80 percent of the cost of doctor visits. With a Medicare Advantage plan you will pay a small copay for doctor visits. Medicare Supplement plans can cover some or all of the costs of doctor visits not covered by Original Medicare.
  • Original Medicare will only pay a certain amount per day for hospital stays up to 150 days. With Medicare Advantage you will usually pay a lower copay per day for hospital stays. Medicare Supplement plans can cover some or all of the costs not covered by Original Medicare for hospital stays.

  • Medicare doesn’t cover regular vision exams, eyeglasses or contacts and it also doesn’t cover most dental care. But many of our Medicare Advantage Plans offer vision, dental and hearing coverage.

We offer Medicare Advantage, Prescription Drug (Part D), and Medicare Supplement plans in most areas of the country. Depending on the plan you choose, it may help you pay for some of what Medicare doesn’t cover.

And, in most states, you can add one of our optional dental or vision packages can easily be added to your Medicare Supplement or Medicare Advantage plan to complement your coverage. You get allowances for the glasses or contacts you rely on and your check-ups and eye exams will be covered.


Need help paying for Original Medicare?

If you need help paying for the costs of Original Medicare, like deductibles or premiums, there are lots of programs to help. You can also apply for a Medicare Savings Program to help cover for the costs of Original Medicare. To find out if you qualify for one of these programs, visit or call your state’s Medicaid or local Social Security office. If you already have Medicaid or are enrolled in certain levels of the Medicare Savings Program, you may be eligible for a Dual Special Needs (DSNP) plan. These plans are designed for people who have Medicare and Medicaid and have no premium or medical copays or deductibles.

Need to Know When and How to Sign up for Medicare?

We can help you understand the rules about when and how to sign up for Original Medicare and the Medicare plans we offer such as Medicare Advantage, Prescription Drug (Part D), and Medicare Supplement on our Sign Up for Medicare page.

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Y0114_18_37142_U CMS ACCEPTED 09/25/2018

Not connected with or endorsed by the U.S. Government or the federal Medicare program.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent or insurance company.

This policy has exclusions, limitations, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, please contact your agent or the health plan.

Anthem Blue Cross and Blue Shield is a Medicare Advantage plan with a Medicare contract. Anthem Blue Cross and Blue Shield is a DSNP plan with a Medicare contract and a contract with the state Medicaid program. Enrollment in Anthem Blue Cross and Blue Shield depends on contract renewal. Anthem Blue Cross and Blue Shield is the trade name of: In Colorado: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. In Connecticut: Anthem Health Plans, Inc. In Georgia: Blue Cross Blue Shield Healthcare Plan of Georgia, Inc. and Anthem Insurance Companies, Inc. In Indiana: Anthem Insurance Companies, Inc. (AICI) and Community Insurance Company (CIC). Medicare Supplement Plans A, G & N are offered by AICI, and Plan F is offered by CIC. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), HMO Missouri, Inc. and AICI. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. Medicare Supplement Plans A, G & N are offered by HALIC, and Plan F is offered by AICI. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc., dba HMO Nevada. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. HMO plans are administered by Anthem Health Plans of New Hampshire, Inc. and underwritten by Matthew Thornton Health Plan, Inc. Medicare Advantage LPPO plan and Medicare Supplement Plans are offered by Anthem Health Plans of New Hampshire, Inc. In Ohio: Community Insurance Company (CIC), In Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. In Wisconsin: For Medicare Supplement plans: Anthem Insurance Companies, Inc. (AICI). For Medicare Advantage plans: Blue Cross Blue Shield of Wisconsin (BCBSWI), underwrites or administers PPO and indemnity policies and underwrites the out of network benefits in POS policies offered by Compcare Health Services Insurance Corporation (Compcare) or Wisconsin Collaborative Insurance Corporation (WCIC). Compcare underwrites or administers HMO or POS policies; WCIC underwrites or administers Well Priority HMO or POS policies. Independent licensees of the Blue Cross Blue Shield Association. Anthem is a registered trademark of Anthem Insurance Companies, Inc.

For Dual-Eligible Special Needs Plans: This plan is available to anyone who has both Medical Assistance from the State and Medicare.

This information is not a complete description of benefits. Call Customer Service, (TTY:711) for more information.

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