Generally, the different parts of Medicare help cover specific services. Most beneficiaries choose to receive their Part A and B benefits through see any doctor and hospital that takes Medicare (and most do) anywhere in the country., the traditional program offered directly through the federal government. It is sometimes called Traditional Medicare or (FFS) Medicare. Under Original Medicare, the government pays directly for the health care services you receive. You can
In Original Medicare:
- You go directly to the doctor or hospital when you need care. You do not need to get prior permission/authorization from Medicare or your primary care doctor.
- You are responsible for a monthly for Part B. Some also pay a premium for Part A.
- You typically pay a for each service you receive.
- There are limits on the amounts that doctors and hospitals can charge for your care.
If you wantdrug coverage with Original Medicare, in most cases you will need to actively choose and join a stand-alone (PDP).
Note: There are a number of government programs that may help reduce your health care and prescription drug costs if you meet the eligibility requirements.
Unless you choose otherwise, you will have Original Medicare. Instead of Original Medicare, you can decide to get your Medicare benefits from aPlan, also called Part C or . Remember, you still have Medicare if you enroll in a Medicare Advantage Plan. This means that you must still pay your monthly Part B premium (and your Part A premium, if you have one). Each Medicare Advantage Plan must provide all Part A and Part B services covered by Original Medicare, but they can do so with different rules, costs, and restrictions that can affect how and when you receive care.
It is important to understand your Medicare coverage choices and to pick your coverage carefully. How you choose to get your benefits and who you get them from can affect yourand where you can get your care. For instance, in Original Medicare, you are covered to go to nearly all doctors and hospitals in the country. On the other hand, Medicare Advantage Plans typically have restrictions, meaning that you will likely be more limited in your choice of doctors and hospitals. However, Medicare Advantage Plans can also provide additional benefits that Original Medicare does not cover, such as routine vision or dental care.