Original Medicare is coverage managed by the federal government. Generally, there's a cost for each service. Here are the general rules for how it works:
In most cases, yes. You can go to any doctor, other health care provider, hospital, or other facility when these apply:
With a few exceptions, most prescriptions aren't covered in Original Medicare.
You can add drug coverage by joining a Medicare Prescription Drug Plan (Part D).
No, in Original Medicare you don't need to choose a primary care doctor.
In most cases, no. In Original Medicare, you don't need a referral, but the specialist must be enrolled in Medicare.
You may already have employer or union coverage that may pay costs that Original Medicare doesn't. If not, you may want to buy a Medicare Supplement Insurance (Medigap) policy.
Factors that affect Original Medicare out-of-pocket costs
What is Part A (Hospital Insurance)?
Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
What is Part B (Medical Insurance)?
Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services.