Original Medicare in California
Original Medicare (Part A and Part B) is standardized across the nation and is directly managed by the federal government.
- Medicare Part A, or hospital insurance, covers inpatient hospital stays, skilled nursing facility care, hospice, and certain home health aid.
- Medicare Part B, also known as medical insurance, covers physician visits, medical supplies, outpatient care and preventive care.
- Medicare Part D is prescription drug coverage that can be added to your Original Medicare coverage.
- Medicare Supplement Insurance, or Medigap, is sold by private companies. As of 2020, there are 10 standard Medigap plans offering varying levels of coverage (A, B, C, D, F, G, K, L, M and N). If you became eligible for Medicare after January 2020, none of the plans available cover the Part B deductible, and Plan C and Plan F are no longer available to new enrollees in 2020.These plans help pay your copayments, coinsurance, and deductibles not covered by Original Medicare. However, it is important to note that Medigap does not cover dental, vision, hearing care, long-term care or private duty nursing.
Cost of Original Medicare in California
In California and the U.S. in general, your Original Medicare costs at a glance will look like the chart below, assuming that you:
Original Medicare does not cover prescription drugs, dental, vision or hearing care, but other plans, like Medicare Advantage and prescription drug, and Medicare Supplement plans are available to fill these gaps in your coverage.
- Are buying Part A
- Have spent less than 60 days in the hospital
- Make $87,000 or less annually by yourself, or
- Make less than $174,000 jointly with a spouse