Original Medicare is a government program for those aged 65 and older and covers 80% of medical expenses after a deductible.
- Part A covers hospital expenses, skilled nursing facilities, hospice, and home healthcare services.
- Part B provides outpatient care such as doctor visits, x-rays, and preventative care.
Original Medicare Usually Does Not Cover
- Prescription drugs
- Long term care
- Dental care or dentures
- Vision care
- Hearing care
- Extra benefits provided by Medicare Advantage Plans
Medicare Advantage (M.A.), also called “Medicare Part C,” bundles Original Medicare with additional benefits such as Dental, Vision, and Hearing. Private insurers offer these all-in-one plans, often with $0 or low monthly premiums. Choose M.A. to keep Medicare while accessing expanded benefits through a single, cost-effective plan.
- Many plans at $0 medical deductible and Primary doctor visits at $0 cost
- Allowances for over-the-counter items, glasses, and dental
- Added benefits like fitness gym memberships, transportation and much more
- Prescription Drug Coverage included
- Protecting Medicare beneficiaries from high out of pocket costs
- Virtual office visits at little to no cost
- You are required by Medicare to have creditable prescription drug coverage while on Medicare.
- To get coverage for most prescriptions, you need to get a Medicare prescription drug coverage plan.
- Multiple options available, each with different premiums, formularies, and out-of-pocket maximum to help manage drug expenses.
- It is important to know that Original Medicare does not cover Prescription Drugs.
- You can get prescription drug coverage through most Medicare Advantage Prescription Drug Plans (MAPD plans) at no cost or a stand-alone Medicare Prescription Drug Plan (PDP) at a small monthly premium.
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