Original Medicare covers most, but not all of the costs for approved health care services and supplies. After you meet your deductible, you pay your share of costs for services and supplies as you get them. There’s no limit on what you’ll pay out-of-pocket in a year unless you have other coverage (like Medigap, Medicaid, or employee or union coverage).
Services covered by Medicare must be medically necessary. Medicare also covers many preventive services, like shots and screenings. If you go to a doctor or other health care provider that accepts the Medicare-approved amount, your share of costs may be less. If you get a service that Medicare doesn’t cover, you pay the full cost.
With Original Medicare, you can:
- Go to any doctor or hospital that takes Medicare, anywhere in the U.S.
- Join a separate Medicare drug plan (Part D) to get drug coverage.
- Buy a Medicare Supplement Insurance (Medigap) policy to help lower your share of costs for services you get.
As always, don’t hesitate to contact your Total Benefit Solutions health insurance specialists today at (215)355-2121.