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Offered by: Jennifer Bell – Bell Benefits, LLC

Part A and Part B, That’s it. That is Original Medicare.

“Once in a while you get a moment of clarity, an inspiration, and they don’t come that frequently.”

I’m guessing the opening line to this article gave you immense amounts of “clarity.” But just in-case, let’s dig a little deeper.

Original Medicare is the federal health insurance program for people who are 65 or older and for certain younger people with disabilities and people with End-Stage Renal Disease. It comes in two parts: Part A & Part B.

All of your working years, you most likely pay into Medicare. Some entities do not, like PERA, but most do. You are basically paying for your retirement health insurance while you work. As long as you work the required number of quarters, when you turn 65 and retire, you then get Medicare Part A at $0 premium. Part A covers you in the event you have an inpatient hospital stay or skilled nursing facility stay.

Part B comes with a monthly premium. The average American will pay $144.60/month to have Part B in place. The premium for Part B can vary based on your income and can change each January. Part B covers your medical expenses like doctor visits, outpatient surgery, durable medical equipment, ambulance rides, infusion therapy, emergency room visits, and so on. To me, it’s really your “day to day” coverage.

I’m happy to answer any questions you have particular to you. You can also check out some educational videos I have done at