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Medicare Parts A & B

Understanding Your Hospital & Medical Insurance Options

What Do Medicare Parts A & B Include?

Medicare Parts A and B — often called Original Medicare — form the foundation of your Medicare coverage. Together, they provide essential protection for many of your core healthcare needs.

Part A covers hospital care, skilled nursing facility stays, hospice services, and limited home health care — giving you peace of mind during times when you need extra medical support.

Part B covers doctor visits, outpatient care, preventive services, and durable medical equipment — helping you stay healthy and manage everyday medical needs.

While Original Medicare is a strong starting point, it doesn’t cover everything. That’s why many people choose to enhance their protection with Medicare Supplement (Medigap) plans for added peace of mind and fewer out-of-pocket costs.

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What’s Typically Covered

Part A (Hospital Insurance) covers your hospital-related expenses — including inpatient stays, skilled nursing facility care, hospice services, and certain home health care.

Part B (Medical Insurance) helps pay for outpatient care such as doctor visits, diagnostic tests, preventive screenings, durable medical equipment, and select therapies that keep you healthy and independent.

Common Add-Ons

To fill the gaps in Original Medicare, many people choose to add a Medicare Supplement (Medigap) plan or enroll in a Part D Prescription Drug plan. These options help cover costs that Medicare Parts A and B don’t pay for — like copayments, coinsurance, and prescriptions.

Who Typically Uses This Coverage

Most individuals age 65 and older enroll in Medicare Parts A and B as their main source of healthcare coverage — either automatically through Social Security or by enrolling directly when they become eligible.

Frequently Asked Questions About Medicare Parts A & B

Medicare can be confusing-especially when you’re just getting started. We’ve answered some of the most common questions to help you feel more confident and informed when reviewing your coverage options.
Part A covers hospital-related care, such as inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Part B covers outpatient care like doctor visits, lab tests, preventive services, and medical equipment. Together, they make up what's called Original Medicare.
Most people don't pay a premium for Part A if they've worked and paid Medicare taxes for at least 10 years. Part B does have a monthly premium, which may vary depending on your income. There are also deductibles and coinsurance for both parts.
Not always. Medicare Parts A & B cover many important services, but not everything. You may still have out-of-pocket costs like copays and coinsurance-and they don't include prescription drug coverage. Many people choose to add a Medicare Supplement or Part D plan for more complete protection.
You're typically eligible at age 65. If you're already receiving Social Security, you'll be enrolled automatically. Otherwise, your Initial Enrollment Period begins three months before your 65th birthday and ends three months after. Missing this window could lead to penalties.
Usually yes. Medicare is widely accepted, but it's always best to check if your doctor accepts "Medicare assignment." If they do, you'll pay less out of pocket. If not, you may be billed more than the Medicare-approved amount.

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