Original Medicare helps select groups of people access health insurance coverage. It is a service that is managed by the federal government. While Part A of Medicare is usually free for most people, other Parts are chargeable.
Here, we’ve answered a few frequently asked questions about Medicare so you can understand how exactly it works.
Can I Visit Any Doctor or Hospital for Medicare Care?
In most cases, you will be able to. The only caveat is that the doctor or hospital you visit should be enrolled in Medicare and be willing to accept new Medicare patients.
Does Original Medicare Offer Prescription Drug Coverage?
With very few exceptions, most prescription drugs are not covered under Original Medicare. If you want this coverage, you will need to sign up for Part D.
I Am Going to Enroll in Medicare Soon. Will I Need to Choose a Primary Care Doctor?
No, Original Medicare does not require you to choose a primary care doctor. You also don’t have to get a referral to be able to visit a specialist. However, it is important to check whether the specialist is enrolled in Medicare and accepts patients with Medicare.
What Are the Things that Can Affect My Out-Of-Pocket Expenses for Original Medicare
– Whether your healthcare provider accepts Medicare patients
– The type of medical care you require and how often you need it
– Whether you choose to get supplies or services that are not covered by Medicare. If you do, you will need to pay all the resulting expenses unless you have another health insurance plan that covers it.
– Whether you have other medical insurance that works with Medicare coverage.
– Whether you have Medicaid coverage to cover your out-of-pocket expenses.
– Whether you are eligible to get state help in order to pay for Medicare expenses.
What Does Original Medicare Cover?
Part A provides coverage for inpatient hospital stays, hospice care, care in a skilled nursing facility, and some additional home health care. Part B of Medicare covers outpatient care, doctors’ services, and preventive services.