Together, Medicare Parts A and B form the foundation of Original Medicare. Original Medicare is beneficial to seniors who are newly eligible for Medicare due to its coverage and nationwide acceptance. It provides access to various healthcare services, including hospital stays, doctor visits, preventive care, and medical supplies.
Seniors can visit any healthcare provider that accepts Medicare, allowing them to choose their doctors and specialists. Additionally, Original Medicare provides a solid foundation that can be supplemented with additional coverage options to meet individual healthcare needs.
Medicare Part A is the hospital insurance element of Medicare.
It covers inpatient hospital stays, skilled nursing facility care, and other services rendered by healthcare facilities, including hospice care.
Medicare Part A is generally affordable for most people, and many beneficiaries pay no monthly premium at all. To qualify for premium-free Part A, you or your spouse generally must have worked and paid Medicare taxes for at least 10 years (40 quarters). In 2026, if you don’t qualify for premium-free Part A, the monthly premium is $311 if you have at least 30 quarters of Medicare-covered work, or $565 if you have fewer than 30 quarters.
Medicare Part B is the medical insurance component part of Medicare.
It covers doctor visits, ambulance services, durable medical equipment, mental health services, preventive services, and medically necessary services.
The monthly premium for Part B is generally $202.90. However, this premium may be higher for individuals who make a higher income. This is known as the Income Related Monthly Adjustment Amount (IRMAA), and you can see the breakdown of those costs in the chart below:
Why wait to get the coverage you need? Book a call with Delta Medicare Benefits Group today to get started with Medicare Part A and B!
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