edicare Parts A & B (sometimes called "Original Medicare") is the federal government's standard health plan. It's similar to traditional employer-provided health insurance and provides two types of coverage.
If you choose Medicare Parts A & B, you can add a prescription drug plan (Part D) and Medicare Supplement Insurance to get benefits not provided by Parts A & B.
Part A helps cover:
Part B helps cover:
Part A pays most of the costs of hospital stays lasting up to 60 days annually. Beyond that, you'll have to pay daily co-pays for each day you remain in the hospital. If you're hospitalized more than 90 days, you should expect to pay for the majority, if not all, of your care.
Part B doesn't usually limit the number of covered medical services you can receive, as long as your care is medically necessary to treat an illness or condition. However, some services, like preventive care and screenings, may have limits.
Because coverage is available everywhere in the United States, you can go to any doctor or hospital in the country that accepts Medicare. No referrals are needed, even if you see a specialist. Care outside of the U.S. is not generally covered.
If you receive Social Security benefits when you become eligible for Medicare, you're automatically enrolled in Part A and Part B. However,if you don't want Part B coverage, you can opt out at your local Social Security office. If you don't receive Social Security benefits, but you're eligible for Medicare, you can enroll in Part A and Part B during your initial enrollment period at your local Social Security office. You can't be denied coverage because of your medical history or pre-existing conditions.
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