There are 2 different ways to get your Medicare coverage. Original Medicare and Medicare Advantage.
• Original Medicare includes Medicare Part A (Hospital Insurance) and Part B (Medical Insurance).
• If you want drug coverage, you can join a separate Part D plan.
• To help pay your out-of-pocket costs in Original Medicare (like your deductible and 20% coinsurance), you can also shop for and buy supplemental coverage.
Doctor and hospital choice
- You can go to any doctor that accepts Medicare.
- In most cases you don’t need a referral to see a specialist.
- For Part B-covered services, you usually pay 20% of the Medicare approved amount after you meet your deductible.
- You pay a premium (monthly payment) for Part B. If you choose to buy prescription drug coverage, you’ll pay that premium separately.
- There’s no yearly limit on what you pay out-of-pocket.
- You can buy supplemental coverage to help pay your out-of-pocket costs
(like your deductible and 20% coinsurance).
- Original Medicare covers medical services and supplies in hospitals,
doctors’ offices, and other health care settings.
- You can join a separate Medicare Prescription Drug Plan to get drug coverage.
- In most cases, you don’t have to get a service or supply approved ahead of time for it to be covered.
- Original Medicare generally doesn’t cover care outside the U.S. You may be able to buy supplemental coverage that covers care outside the U.S.