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Original Medicare is for Individuals aged 65+, and Younger Adults with Qualifying Disabilities. 

It’s divided into Two parts:

• Part A (Hospital Insurance) - Covers Inpatient Hospital Stays, Skilled Nursing Facilities, Hospice Care, and more. Generally, with a $0 Premium - If you’ve Earned 40 Working Credits.
• Part B (Medical Insurance) - covers Medical Services, Outpatient Care, Doctor Visits, Preventive Services, Durable Medical Supplies, and more. With a Monthly Premium Starting at $202.90 in 2026. 

While Original Medicare Provides a Broad Foundation of Health Coverage, it Does Not Include Prescription Drugs, Dental, Vision, or Hearing Services. Beneficiaries are Responsible for Premiums, Deductibles, Copayments, Coinsurance. With No Annual Limit on Out-of-Pocket Costs.

 Due to these Gaps in Coverage, Many People Opt for a Medicare Supplement Plan.

A Medicare Supplement plan (also known as Medigap) is Private Health Insurance Offered by Private Companies. Designed to Pay for Out-of-Pocket Costs Not Covered by Original Medicare (Part A and Part B). These Plans Cover Expenses like Copayments, Coinsurance, and Deductibles.

By Paying a Monthly Premium, these Plans Provide Financial Protection & Budget Predictability!

Allowing You to See Any Doctor in the U.S. Who Accepts Medicare! 

You Can Expect to Pay Separate Premiums:

• Medicare
• Supplemental Plan
• Stand Alone Part D (PDP) Prescription
• +Dental, Vision, Hearing 

•  Nation Wide Coverage -  See Any Doctor / Specialists who Accepts Medicare
• No Networks 
• Nationwide Emergency, in Some Cases, Overseas. 
• No Referrals
• No Prior Authorizations
• Guaranteed Issue Right – When you Apply during the First 6 Months of your Part B Effective Date. 
• Protects Against High Costs: There is no annual Out-of-Pocket Maximum in Original Medicare, but a Medigap Policy Provides Predictability,Preventing Financial Devastation from a Serious Illness
• Enjoy Guaranteed Renewability as Long as Premiums are Paid. 
• Peace of Mind - Coverage will Not Change Annually, unlike many Medicare Advantage plans.

Original Medicare (Part A + Part B), Does Not Cover Prescription Drugs. To get Part D - Prescription Drug Coverage you need to  Enroll:

A Stand Alone Prescription Drug Plan (PDP) 

Unless, you Have other Creditable Prescription Coverage like through the VA or Group Insurance. You Do Not Get Enrolled Automatically, and It's Recommended to Maintain Creditable Prescription Drug Coverage to Avoid Penalties. Learn more 

There are Government Programs Available that can Help with your Medicare costs:

• Medicare Savings Program - Helps with Medicare Premiums.
• Extra Help / LIS - Helps with Prescription Costs
• +More

Let's Explore these Together!