Original Medicare comprises two parts: Part A (hospital insurance) and B (medical insurance). While they can work together, coverage doesn’t overlap. Once you’re eligible for Medicare, it’s part A and B that you enroll in first. Here ‘s a look at the differences between Part A and B.
This part covers hospital expenses, including hospital stays, expert nursing care, home health-care services, and hospice. The services in this part might require you to pay coinsurance, various deductibles, and copayments.
Numerous people are eligible for premium-free Part A because of paying taxes toward Medicare while they or their spouse worked for at least 10 years. Otherwise, you might need to pay monthly premiums.
This part helps cover medically essential supplies and services required for the treatment or diagnosis of your medical condition. This comprises outpatient services obtained at a doctor’s office, hospital, clinic, or other medical facilities.
This part B further helps cover numerous preventive services to avert illness or detect them earlier. Additionally, it covers medically essential durable health equipment such as walkers and wheelchairs to treat a condition.
Costs vary for this part but you’ll often pay a deductible and 20% of the approved amount provided the provider you use accepts Medicare assignment. Most people pay a premium for this part even if they have a Medicare Advantage plan that offers part A and B benefits.
Part B benefits
- X-rays and laboratory tests
- Doctor visits
- Emergency ambulance services
- Preventive services, for instance, flu shots, pap tests, and screenings