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:
Can I get my health care from any doctor, other health care provider, or hospital?
In most cases, yes. You can go to any doctor, other health care provider, hospital, or other facility when these apply:
- They’re enrolled in Medicare.
- They’re accepting new Medicare patients.
Are prescription drugs covered in Original Medicare?
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).
Do I need to choose a primary care doctor?
No, in Original Medicare you don’t need to choose a primary care doctor.
Do I have to get a referral to see a specialist?
In most cases, no. In Original Medicare, you don’t need a referral, but the specialist must be enrolled in Medicare.
Should I get a supplemental policy?
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.
Request a Quote
Take care of your dental health with our flexible and affordable insurance plans.
Learn More →
Hospital Indemnity Insurance
Safeguard your finances against unexpected medical expenses with our hospital indemnity insurance.
Learn More →