Original Medicare

Original Medicare explained, plus how to cover its gaps. Call 1-800-MEDIGAP.

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Quick answer

Original Medicare is the federal program made up of Part A (hospital) and Part B (medical). It lets you see any provider nationwide that accepts Medicare, with no networks. It pays about 80% of Part B costs, so many add a Part D plan and a MEDIGAP supplement to cover gaps.

Original Medicare is the traditional, government-run path. Here is how it works and what you should pair with it.

What is Original Medicare?

Original Medicare is the traditional fee-for-service program run directly by the federal government, consisting of Part A (hospital insurance) and Part B (medical insurance). Its biggest advantage is freedom: you can use any doctor, specialist, or hospital in the country that accepts Medicare, with no networks and no referrals needed. This makes it ideal for people who travel, split time between states, or want their choice of providers. It does not include drug coverage or an out-of-pocket cap, which is where supplemental plans come in. Call 1-800-MEDIGAP to build out your coverage.

What does Original Medicare not include?

Original Medicare leaves three big gaps. First, it does not cover most prescription drugs, so you need a separate Part D plan. Second, it has no annual out-of-pocket maximum, meaning the 20% Part B coinsurance can grow without limit during a serious illness. Third, it excludes routine dental, vision, hearing, and long-term care. To close the cost gap, most people add a Medicare Supplement (MEDIGAP) plan, which pairs only with Original Medicare. A licensed agent at 1-800-MEDIGAP can help you complete the picture.

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Frequently asked questions

What is included in Original Medicare?+

Original Medicare includes Part A, which covers inpatient hospital, skilled nursing, hospice, and some home health care, and Part B, which covers doctor visits, outpatient care, and preventive services. It does not include prescription drug coverage or an out-of-pocket cap.

Is Original Medicare better than Medicare Advantage?+

Neither is universally better. Original Medicare offers nationwide provider freedom and pairs with MEDIGAP for predictable costs, while Medicare Advantage bundles extras but uses networks. The right choice depends on your doctors, travel, and budget. Call 1-800-MEDIGAP to compare.

Does Original Medicare cover prescriptions?+

No. Original Medicare does not cover most prescription drugs you take at home. You need to add a separate Part D prescription drug plan, sold by private insurers. Call 1-800-MEDIGAP to find a Part D plan that covers your medications.

Can I add a MEDIGAP plan to Original Medicare?+

Yes. Medicare Supplement (MEDIGAP) plans are designed specifically to work with Original Medicare, covering much of the deductibles and coinsurance Parts A and B leave behind. They cannot be used with Medicare Advantage. Call 1-800-MEDIGAP to compare MEDIGAP plans.

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

No. Original Medicare has no annual out-of-pocket maximum, so your 20% Part B coinsurance is unlimited during a major illness. Adding a Medicare Supplement (MEDIGAP) plan effectively caps your exposure. Call 1-800-MEDIGAP to learn how to limit your costs.

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