Original Mediare

Part A & B



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What is Original Medicare (Part A & B)?

Part A

 Part A helps cover hospital expenses, hospice care, and home health care.

 How much does Part A care coverage cost?

If your spouse paid Medicare taxes for at least 10 years while working you will not have to pay a monthly premium for Part A.

If you are not eligible for free Part A can cost $259 or $471 per month depending on how long you or your spouse worked and paid for Medicare.

    Part B

    Part B covers services, supplies that are medically necessary and preventative care. This can include doctor’s services, outpatient care. This coverage part is your decision.

    *Remember that you will need to have Part A if you want to buy Part B*

    How much does Part B coverage cost?

    The monthly premium payment changes each year and starts at $148.50/month. If you enroll late in Part B your premium will go up by 10% for each 12-month period you could of enrolled.




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    Original Medicare coverage also known as Medicare Part A & B are coverage is health insurance funded by the federal government. It dramactically reduces health costs for disabled and elderly individuals.

    Part A:

    • Hospital or mental hospital care (as an inpatient)
    • Nursing facility care (under certain conditions)
    • Hospice care
    • Home health care (if you meet Medicare criteria)

    Part B:

    • Doctor visits
    • Preventive services, like annual checkups and flu shots
    • Medical supplies and durable medical equipment, such as walkers and wheelchairs
    • Certain lab tests and screenings
    • Diabetes care, such as screenings, supplies, and a prevention program
    • Chemotherapy
    • Physical and occupational therapy

    Part A:


    • Most people don’t pay a monthly premium for Part A (sometimes called “premium-free Part A”). If you buy Part A, you’ll pay up to $458 each month in 2020.  If you paid Medicare taxes for less than 30 quarters, the standard Part A premium is $458, whereas if you paid Medicare taxes for 30-39 quarters, the standard Part A premium is $252.

    Inpatient deductible and coinsurance:

    • $1,408 deductible for each benefit period
    • Days 1-60: $0 coinsurance for each benefit period
    • Days 61-90: $352 coinsurance per day of each benefit period
    • Days 91 and beyond: $704 coinsurance per each “lifetime reserve day” after day 90 for each benefit period (up to 60 days over your lifetime)
    • Beyond lifetime reserve days: all costs


    Part B:


    • The standard Part B premium amount is $148.50 (or higher depending on your income).  See here for details.

    Deductible and coinsurance:

    • $203. After your deductible is met, you typically pay 20% of the Medicare-approved amount for most doctor services (including most doctor services while you’re a hospital inpatient), outpatient therapy, and durable medical equipment (dme).

    2022 data is used

    Learn More

    Enrollment Dates


    Part C

    Part D