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You’ll need your Medicare Number to create your secure Medicare account here on Medicare.gov, join a plan, or buy supplemental insurance. Generally, you can only drop Part A (Hospital Insurance) if you have to pay a premium for it, also called Premium-Part A.
Original Medicare includes Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance). Original Medicare covers things like inpatient hospital care, doctors’ services and tests, and preventive services. You pay for services and items as you get them.
Original Medicare includes Part A and Part B. You can join a separate Medicare drug plan to get Medicare drug coverage (Part D). You can use any doctor or hospital that takes Medicare, anywhere in the U.S.
Medicare Part B (Medical Insurance) helps cover 2 types of services: Medically necessary services: Services or supplies that meet accepted standards of medical practice to diagnose or treat your medical condition. Preventive services: Health care to prevent illness (like the flu) or detect it at an early stage when treatment is likely to work best.
In 2024, the premium is either $278 or $505 each month, depending on how long you or your spouse worked and paid Medicare taxes. You also have to sign up for Part B to buy Part A. If you don’t buy Part A when you’re first eligible for Medicare (usually when you turn 65), you might pay a penalty.
Generally, you need Part A and Part B to buy a Medigap policy. Some Medigap policies offer coverage when you travel outside the U.S. Generally, Medigap policies don’t cover long-term care (like care in a nursing home), vision, dental, hearing aids, private-duty nursing, or prescription drugs.
Part B helps cover medically necessary services like doctors’ services, outpatient care, and other medical services that Part A doesn’t cover. Part B also covers many preventive services. Part B coverage is your choice. However, you need to have Part B if you want to buy Part A.
The amount you’ll pay for Part A and Part B services if you have a Medigap policy varies depending on the policy you buy. Some Medigap policies include extra benefits to lower your costs, like coverage when you travel out of the country.
Medicare health plans provide Part A (Hospital Insurance) and Part B (Medical Insurance) benefits to people with Medicare. These plans are generally offered by private companies that contract with Medicare.
Coverage always starts on the first of the month. If you qualify for premium-free Part A: Your Part A coverage starts the month you turn 65. (If your birthday is on the first of the month, coverage starts the month before you turn 65.) Part B (and premium-Part A): Coverage starts based on the month you sign up: