Original medicare

The foundation of your health coverage at 65 — explained in plain English with real costs.

🏥 Hospital (Part A)

Usually $0 premium if you worked 10+ years.

Deductible: $1,632 (per benefit period)

Covers: inpatient hospital, skilled nursing, hospice, some home health.

🩺 Medical (Part B)

$174.70/month standard premium (2025).

Deductible: $240 / year

Covers: doctor visits, outpatient care, preventive services, medical equipment.

📅 When to sign up for Parts A & B

🗓️ Initial Enrollment Period

7-month window: 3 months before 65th birthday, birthday month, 3 months after.

Example: Birthday June 15 → window March 1 – Sept 30

🔄 Special Enrollment

If you're still working & have group health plan, you can delay Part B without penalty. Sign up anytime while employed or during 8-month SEP after employment ends.

⚠️ Important: COBRA and retiree coverage do NOT count as current employment — you may need Part B.

What Original Medicare covers (and what it doesn't)

Free Part A & B PDF GuideDOWNLOAD HERE

⏳ Late enrollment penalty

Part B penalty: 10% for each full 12-month period you could have had Part B but didn't. You pay this extra forever.

Part A penalty: up to 10% added to monthly premium for twice the years you delayed.

This is a solicitation of insurance. A licensed insurance agent may contact you. We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.