What is Original Medicare Benefit?
Medicare is a federal health insurance program for eligible Americans and is funded through 2 trust accounts held by the U.S. Treasury.  The following are categories of people who qualify for Medicare: 

  • People 65 or older 
  • People under 65 with certain disabilities 
  • People of any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant)
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Medicare Part B  covers outpatient care. The standard monthly premium you pay for Medicare Part B in 2021 starts at $148.50, the amount you pay is determined by the Government. It can help cover medical services and supplies that Part A does not cover, as well as the following: 

  • Services from doctors and other healthcare providers
  • Outpatient care
  • Home health care
  • Ambulance Services
  • Durable medical equipment (DME)
  • Some preventive services

Original Medicare is split into 2 parts, A & B

As you approach your retirement years or have already reached them, finding the right health insurance is always a big concern.  With all of the different Medicare Supplement plans that are advertised, it can become very confusing and this is where we can help you.  Original Medicare covers only 80% of your part B costs, you will find you have to pay for things like copayments, coinsurance, and deductibles.  A Medicare supplement plan will cover some of the costs not covered by original Medicare.  These plans do cost a little more but allow you to go see any doctor or visit any hospital that accepts original Medicare without a referral. BlueCross BlueShield of South Carolina offers value-added benefits beyond original Medicare or other Medicare supplement plans.  The team at Ka-Nol Insurance Services can guide you through the all of the concerns you may have and work out the plan that is right for you!  

Medicare Part A, also called Hospital Insurance, does not require a premium because you or your spouse already paid for it through payroll taxes. Medicare Part A helps cover: 

  • Hospital inpatient care 
  • Access to critical access hospitals
  • Skilled nursing facilities (not custodial or long-term care)
  • Hospice and home health care
  • Lab Tests