Question 1

What does Medicare Part A cover?

Accepted Answer

Medicare Part A covers inpatient hospital care, skilled nursing facility care, hospice, and limited home health care following a qualifying hospital stay.

Question 2

What does Medicare Part B cover?

Accepted Answer

Medicare Part B covers outpatient doctor visits, preventive care, diagnostic testing, durable medical equipment, and certain clinician-administered medications.

Question 3

Does Original Medicare have an out-of-pocket maximum?

Accepted Answer

No. Neither Medicare Part A nor Part B caps your annual out-of-pocket spending, unlike Medicare Advantage plans, which are required to include a spending cap.

Question 4

Does Original Medicare cover prescription drugs?

Accepted Answer

No. You need a separate Medicare Part D plan, either as a standalone plan or bundled into a Medicare Advantage plan, for prescription drug coverage.

Question 5

Does Medicare cover dental, vision, or hearing care?

Accepted Answer

Original Medicare generally does not cover routine dental, vision, or hearing care. It covers only narrow, medically necessary exceptions in these categories. Routine benefits may be available through Medicare Advantage plans or standalone supplemental insurance.

Question 6

Why are doctor visits billed separately from a hospital stay?

Accepted Answer

Medicare Part A covers hospital facility and room-and-board costs, while physician services are billed under Medicare Part B, even when the physician provides care while you are admitted as an inpatient.

Question 7

How can I protect against Original Medicare’s lack of an out-of-pocket cap?

Accepted Answer

A Medigap policy can help cover deductibles, coinsurance, and excess charges left by Original Medicare. Another option is a Medicare Advantage plan, which includes a required annual out-of-pocket spending limit.

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