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Medicare 101

Your Medicare Part A and Part B Benefits

Christian Worstell by Christian Worstell Published Reviewed by John Krahnert

Original Medicare has two sets of benefits: Part A (hospital insurance) and Part B (medical insurance). Each part covers different types of health care services to provide seniors with a broad range of coverage. Learn more about Medicare Parts A and B below, including eligibility and cost information.

Understanding Your Medicare Coverage

Medicare provides health insurance coverage for people 65 years or older and younger people with certain disabilities or permanent kidney failure. 

Medicare Part A Benefits

Medicare Part A primarily covers inpatient hospital care* and may also cover:

  • Skilled nursing facility care
  • Nursing home care (as long as custodial care isn’t the only care you need)
  • Hospice and respite care
  • Home health services

Medicare Part B Benefits

Medicare Part B helps cover a range of outpatient services*, including:

  • Doctor’s office visits
  • Ambulance services
  • Preventive care
  • Physical and occupational therapy
  • Mental health care
  • Durable medical equipment
  • Getting a second opinion before surgery
  • Limited outpatient prescription drugs

*Provided they are medically necessary or preventive services from a health care provider that accepts assignment.

Costs

You will most likely receive Part A benefits premium-free, because either you or your spouse already paid for them through taxes while working. However, if you have to buy it, you could pay up to $499 in 2022.

Most people pay a monthly premium for Part B. The average Part B premium in 2022 is $170.10 However, it can be more if you have a higher income.

In addition to your Part B premium, you’ll have to pay numerous out-of-pocket costs, including deductibles, copayments and coinsurance.

Medicare Supplement Insurance helps pay for some of these out-of-pocket costs. You can speak with a licensed agent now at 1-800-995-4219 to find out which Medicare Supplement Insurance plans are available in your area.

More Information

We have published several guides to help you better navigate your Medicare benefits. Read through some of them below.

Your Medicare Part A and Part B Benefits

About the author

Christian Worstell is a licensed insurance agent and a Senior Staff Writer for MedicareSupplement.com. He is passionate about helping people navigate the complexities of Medicare and understand their coverage options.

His work has been featured in outlets such as VoxMSN, and The Washington Post, and he is a frequent contributor to health care and finance blogs.

Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. He currently lives in Raleigh, NC.

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