If you have Medicare Part A, you get all the Part A-covered services; if you have Medicare Part B, you get all the Part B-covered services. You’ll usually pay a monthly premium for Medicare Part B. You can go to any doctor or provider that accepts Medicare and is accepting new Medicare patients, or to any hospital or other facility. Your Medicare plan will have deductible that you will have to pay before Medicare begins paying for health care expenses.
Original Medicare provides very basic coverage for medical expenses, so you are still responsible for costs such as deductibles and coinsurance. However, there are two additional Medicare options available help you cover the cost of these expenses. Your first option is Medicare Advantage plans. These plans are an alternative to Original Medicare. Medicare Advantage plans will offer extra benefits that Original Medicare and most Medicare Supplement plans will not. Most Medicare Advantage plans include prescription drug coverage that is equal to or better than Medicare’s standard.