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Is Original Medicare Enough? 

In a word, NO. Not for most folks.

Original Medicare is great, but if all you have is original Medicare you have a Part A (hospital insurance) deductible of $1408 in 2020, plus $352 per day for days 61 to 90 in the hospital. This is for each benefit period too! Past day 90 it is $704 per day until your 60 lifetime reserve days are gone. Then you pay 100% of all cost. That can add up to a tremendous amount of money YOU are responsible for.

For Part B (medical insurance) expenses you have an additional $198 annual deductible with original Medicare. Most Part B medically necessary services are covered at 80% while Part B preventative services are generally covered at 100%. Medicare Part B has very limited drug benefits. Even more to be concerned about.

Original Medicare does not cover Part D (most outpatient drugs).


There are a variety of cost effective ways to protect yourself from these type of expenses. I feel a highly trained independent agent ( like Wayne ) is the best way to examine your Medicare insurance options and help you decide which plan work for you. The Medicare Open Enrollment runs from October 15th to December 7th annually. 

Call 504-779-9421 Today to Schedule Your FREE Consultation