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Original Medicare: Parts A & B

Original Medicare is affordable 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. That’s where we come in! We have comprehensive plans to enhance your Original Medicare coverage and lots of ways to help save you money. Since you’ll need it to get started, let’s talk about Original Medicare.

What is Original Medicare?

Original Medicare is made up of Parts A and B. Part A is insurance for hospital stays. Part B is your basic medical insurance, the coverage you’ll use to see a doctor.

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 Xrays

When should you get Original Medicare?

Starting three months before your 65th birthday

The initial enrollment period for people turning 65 lasts for 7 months. It includes the three months before your 65th birthday month, your birthday month itself, and the three months after that. Sign up during the three months before you turn 65 to avoid fees or delays in coverage. If you’re still working when you turn 65, you’ll have your a special enrollment period when you retire.

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.

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 Medicare.gov 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.

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)

Now that you’re an expert on Original Medicare, it’s time to learn about completing the rest of the coverage you’ll need.

Learn more about our plans

Medicare Supplement Plans are also available to persons eligible for Medicare because of disability. 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 is a limited policy designed to cover only those expenses which Medicare does not cover.
Once enrolled into your Medicare Supplement insurance plan, your coverage is guaranteed for the life of the plan with only three exceptions/restrictions: nonpayment of premiums, material misrepresentation, or our withdrawal from the marketplace.

Y0114_16_29117_U CMS ACCEPTED 9/29/2016

Attention: If you speak any language other than English, language assistance services, free of charge, are available to you. Call our Customer Service number, (TTY: 711). ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame a nuestro número de Servicio de Atención al Cliente (TTY: 711). 注意:如果您使用非英語的其他語言,您可以免費獲得語言援助服務。請致電聯絡客戶服務部(聽語障用戶請致電:711)。

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums and/or co-payments/co-insurance may change on January 1 of each year. You must continue to pay your Medicare Part B premium.

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