Walter White / March 22,2020

Original Medicare vs. Medicare Advantage: Here’s How to Know the Difference

Original Medicare vs. Medicare Advantage: Here’s How to Know the Difference

Original Medicare is the combination of Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). It’s offered through the Centers for Medicare & Medicaid Services (CMS). Original Medicare can be used at virtually any medical clinic or hospital in the United States. As long as a provider accepts Medicare, you will be able to get healthcare services through them.

Medicare Advantage Plans vs. Original Medicare

The Original Medicare plan is not free of charge. Although the cost of Part A is usually covered, most people pay a premium for Part B. You will pay a 20% coinsurance as well as copayments and deductibles. However, insurance can be added to supplement costs and coverage.

Original Medicare Coverage

Original Medicare plans cover tests, services and items that are considered medically necessary or needed to diagnose and treat your medical condition. They also cover services to prevent illness or detect a condition at an early, more treatable stage.

Related: What Does Medicare Cover and How Does It Work? We Break It Down 

Plan name
Not covered

Part A

  • Hospital stays
  • Skilled nursing facility care
  • Hospice care
  • Some home health care services
  • Long-term care /custodial care
  • Dental care and dentures
  • Eye exams related to eyeglass prescriptions
  • Hearing aids and related exams
  • Take-home prescription medications
  • Routine foot care
  • Cosmetic surgery
  • Acupuncture

Part B

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