Original Medicare
Get Clear, Honest Help with Medicare Part A and B
Navigating Medicare doesn’t have to be overwhelming. If you’re wondering how to enroll in Original Medicare or what coverage you qualify for, you’re not alone. At A.M.Smith Agency, we specialize in helping individuals 65 and older, or those approaching eligibility, understand their options and complete the enrollment process with confidence.
Our free consultations are led by a certified Medicare agent who brings over 20 years of experience and a commitment to unbiased guidance. We’re licensed in Michigan and Ohio, offering both in-person and virtual appointments.
What Is Original Medicare?
Original Medicare is the federal health insurance program that includes:
- Medicare Part A: Hospital insurance
Covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. - Medicare Part B: Medical insurance
Covers certain doctors’ services, outpatient care, medical supplies, and preventive services.
While Original Medicare covers a wide range of services, it does not cover everything. You are responsible for deductibles, copayments, and 20% coinsurance for most services after your deductible is met.
How A.M.Smith Agency Can Help
Walk you through Medicare eligibility and timelines
- Assist with Part A & Part B enrollment
- Explain Part D and Medigap add-ons
- Provide unbiased plan comparisons
- Answer questions about premiums, coverage, and providers
Our job isn’t to sell you a plan—it’s to make sure you understand your options and feel confident in your decision. And we’re available year-round to help you reassess your plan as your needs change.
What Else Should You Know About Original Medicare?
Prescription Drug Coverage
(Part D)
Original Medicare does not include prescription drug coverage. However, you can join a separate Medicare Part D plan for help with medications. We’ll walk you through available options and make sure your current prescriptions are covered.
Doctor and Hospital Choice
One of the advantages of Original Medicare is flexibility—you can visit any doctor or hospital in the U.S. that accepts Medicare, without referrals or network restrictions.
Out-of-Pocket Costs & Supplemental Options
Original Medicare doesn’t cover all expenses. Many clients choose to add a Medicare Supplement (Medigap) plan to help cover coinsurance and deductibles. We’ll review these options and explain how to combine coverage effectively.
Common Questions About Original Medicare
When should I enroll in Original Medicare?
You’re eligible at age 65. Your Initial Enrollment Period begins three months before your 65th birthday and lasts for seven months.
Do I need both Part A and Part B?
In most cases, yes. Part A covers hospital services, while Part B covers outpatient care. Together, they offer comprehensive baseline coverage.
What does Medicare not cover?
Medicare typically doesn’t cover dental, vision, hearing aids, or long-term care. That’s where Medicare Advantage or supplemental insurance may help.
Can I keep my current doctor?
If your provider accepts Medicare, yes. Original Medicare allows you to see any doctor or specialist in the U.S. who takes Medicare.
Request a Free Consultation
Let us help you take the guesswork out of Medicare.
- Are you turning 65?
- Are you already enrolled in Medicare but unsure about your current coverage?
- Do you need help choosing a Part D or supplemental plan?
Get support from a licensed insurance agent who puts your needs first
