What is original medicare

🏥 Medicare Part A – Hospital Insurance

Part A helps cover inpatient care and related services, making it essential for those exploring Illinois Medicare supplements. It’s typically premium-free if you or your spouse paid Medicare taxes for at least 10 years.

Covered services include:

• Inpatient hospital stays (semi-private room, meals, nursing care)

• Skilled nursing facility care (after a qualifying hospital stay)

• Hospice care for terminal illness

• Limited home health care (part-time skilled nursing or therapy)

• Inpatient rehabilitation services

• Blood transfusions (in hospital or skilled nursing facility)

Not covered:

• Long-term custodial care (e.g., help with bathing or dressing)

• Private-duty nursing

• Personal items (TV, phone, etc.)

• Hospital stays beyond certain limits

🩺 Medicare Part B – Medical Insurance

Part B covers outpatient and preventive services, which is critical for those considering Medicare Advantage Plans. Most people pay a monthly premium based on income.

Covered services include:

• Doctor visits (including specialists)

• Outpatient care and surgeries

• Preventive services (e.g., screenings, vaccines)

• Durable medical equipment (wheelchairs, oxygen, etc.)

• Mental health services (outpatient)

• Home health care (if medically necessary)

• Lab tests and imaging (X-rays, MRIs, etc.)

Not covered:

• Prescription drugs (unless administered in a clinical setting)

• Routine dental, vision, and hearing care

• Long-term care

• Cosmetic procedures

For those interested in additional coverage options, exploring Medicare Supplement or Medigap Plans can provide enhanced benefits alongside original Medicare. Additionally, residents looking at Nevada Medicare supplements may find similar options tailored to their needs.