What is the difference between Medicare Part A and B?

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In all states: Part A (Hospital Insurance) Helps pay for: Care in hospitals as an inpatient, critical access hospitals, skilled nursing facilities (not custodial or long-term care), hospice care, and some home health care. Information about your coverage under Medicare Part A can be found in the Your Medicare Coverage database. If you aren’t sure if you have Part A, look on you red, white, and blue Medicare card. If you have Part A, “HOSPITAL (PART A)” is printed on your card.

Cost: Most people get Part A automatically when they turn age 65. They don’t have to pay a monthly payment called a premium for Part A because they or a spouse paid Medicare taxes while they were working. If you don’t automatically get premium-free Part A, you may be able to buy it if; You (or your spouse) aren’t entitled to social Security because you don’t work or didn’t pay enough Medicare taxes while you worked and you are age 65 or older, or you are disabled but no longer get premium-free Part A because you returned to work. If you have limited income and resources, your state may help you pay for Part A and/or Part B. For more information, visit www.Socialsecurity.gov on the web or call Social Security at 1-800-772-1213.

Part B (Medical Insurance) Helps pay for: Doctors’ services, outpatient hospital care, and some other medical services that Part A doesn’t cover, such as the services of physical and occupational therapists, and some home health care. Part B helps pay for these covered services and supplies when they are medically necessary.

Cost: Most Medicare beneficiaries will continue to pay the same $104.90 Part B premium amount in 2015. Beneficiaries who currently have the Social Security Administration (SSA) withhold their Part B premium and have incomes of $85.000 or less (or $170.000 or less for joint filers) will not have an increase in their Part B premium for 2015.

If you have Medicare A&B, you are eligible to buy a Medicare Supplement or Medicare Advantage Plan.

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Brindle Insurance Group is affiliated with a Utah based insurance Agency that has been in business for over 24 years. We are contracted with many of the national major Medicare advantage and Medicare supplement companies. We do business in all 50 states. We do not charge any fees or commissions to the consumer but we are paid directly by the insurance companies.

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