Do you need more than Medicare Part A and B?

Asked by: Dr. Candelario Parker  |  Last update: December 5, 2023
Score: 4.1/5 (60 votes)

It depends. The automatic and traditional type of Medicare (Part A and Part B) will not cover long-term care, routine dental or eye care, dentures, or hearing aids. 11 In order to have fuller coverage, it is important to look into additional options like Medicare Advantage (Part C) or Medigap coverage.

What happens if you have Part A but not Part B Medicare?

You'll automatically get Part A but not Part B. You must call Social Security at (1-800-772-1213) to sign up for Part B. TTY users can call 1-800-325-0778. If you don't enroll in Part B when you're first eligible, you may have to pay a late enrollment penalty for as long as you have Part B.

Can I just have Medicare Part B?

While it is always advisable to have Part A, you can buy Medicare Part B (medical insurance) without having to buy Medicare Part A (hospital insurance) as long as you are: Age 65+ And, a U.S. citizen or a legal resident who has lived in the U.S. for at least five years.

Can you get Medicare Advantage without Part A and B?

You can only join a Medicare Advantage Plan (Part C) or Medicare drug plan (Part D) during certain times. You must have Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) to join a Medicare Advantage Plan. You must have Medicare Part A and/or Part B to join a separate Medicare drug plan.

Does everyone pay the same for Medicare Part A and B?

If you have higher income, you'll pay an additional premium amount for Medicare Part B and Medicare prescription drug coverage. We call the additional amount the “income-related monthly adjustment amount.”

Do I need more than Medicare Part A & B?

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Is Medicare Part B free if you're over 65?

Medicare Part B is only free if you have a low income and are enrolled in one of the Medicare Savings Programs for financial assistance. Eligibility for these programs varies by state, and some states make it easier to qualify because of higher income limits or by eliminating the asset requirement.

Why is Medicare Part B so expensive?

Medicare costs, including Part B premiums, deductibles and copays, are adjusted based on the Social Security Act. And in recent years Part B costs have risen. Why? According to, “The increase in the Part B premiums and deductible is largely due to rising spending on physician-administered drugs.

What is the advantage of having Medicare Part C?

Medicare Part C provides more coverage for everyday healthcare including prescription drug coverage with some plans when combined with Part D. A Medicare Advantage prescription drug (MAPD) plan is when a Part C and Part D plan are combined. Medicare Part D only covers prescription drugs.

Is it necessary to have a Medicare supplement?

Medicare supplement plans are optional but could save you big $$$ on doctor bills. Your cost-sharing under Part B is similar. You are responsible for paying your Part B deductible, which is $226 in 2023. Then Part B Medicare only pay 80% of approved services.

How do you qualify to get $144 back from Medicare?

To qualify for the giveback, you must:
  1. Be enrolled in Medicare Parts A and B.
  2. Pay your own premiums (if a state or local program is covering your premiums, you're not eligible).
  3. Live in a service area of a plan that offers a Part B giveback.

Why would someone have Medicare Part A only?

For most people, Part A is premium-free. Although permissible to sign up for Medicare Part A only, this only comes recommended when group insurance provides medical coverage equal to Part B, or better. Some retirees continue under insurance from an employer or union when first becoming eligible for Medicare.

Why would someone not have Medicare Part B?

A person does not have to sign up for Medicare Part B when they turn age 65, providing they have creditable insurance coverage. Creditable coverage provides at least the same coverage level as Medicare, and people usually obtain it through an employer.

What happens if you don't enroll in Medicare Part A at 65?

Part A late enrollment penalty

If you have to buy Part A, and you don't buy it when you're first eligible for Medicare, your monthly premium may go up 10%. You'll have to pay the penalty for twice the number of years you didn't sign up.

What is the alternative to Part B Medicare?

Medicare Advantage plans are an alternative way to receive your Original Medicare Part A and Part B benefits through private, Medicare-approved insurance companies. You're still enrolled in Medicare, but the Medicare Advantage plan administers your benefits.

Why would someone not get Medicare Part A?

Why might a person not be eligible for Medicare Part A? A person must be 65 or older to qualify for Medicare Part A. Unless they meet other requirements, such as a qualifying disability, they cannot get Medicare Part A benefits before this age.

Does Social Security automatically enroll you in Medicare?

If you're already getting benefits from Social Security or the RRB, you'll automatically be enrolled in both Part A and Part B starting the first day of the month you turn 65. If your birthday is on the first day of the month, Part A and Part B will start the first day of the prior month.

Is Medicare Part A and B good enough?

Original Medicare — Medicare Part A and Part B — covers basic medical and hospitalization costs. These include doctor visits, hospitalization and several related services and items. But Original Medicare doesn't cover every health care need and requires you to share the cost of the care you receive.

Why is it not always a good idea to have supplemental insurance?

For example, it may not cover all the expenses you expected it to, it may impose waiting periods before payments start, or it may contain limits based on how much you paid and for how long. It is important to understand that supplemental insurance is not regulated by the Affordable Care Act.

What is the difference between Medicare and a Medicare Supplement?

Medicare Advantage and Medicare Supplement are different types of Medicare coverage. You cannot have both at the same time. Medicare Advantage bundles Part A and B often with Part D and other types of coverage. Medicare Supplement is additional coverage you can buy if you have Original Medicare Part A and B.

Why doesn t everyone get Medicare Part C?

In general, a person must meet two eligibility requirements to qualify for Medicare Part C: They must already have enrolled in Original Medicare (Medicare Parts A and B). They must live in an area where an insurance provider offers a Medicare Advantage (Part C) plan with the coverage that they require.

What is the average cost of Medicare Advantage Part C?

The cost of a Medicare Part C (also called Medicare Advantage) plan can be quite low relative to the cost of other types of health insurance. The Best States for Medicare in 2023 report found the average Medicare Part C cost is $17.60 per month for plans that include prescription drug coverage.

Do you have to pay more for Medicare Part C?

Medicare Part C premiums vary, typically ranging from $0 to $200 for different coverage. You still pay for your Part B premium, though some Medicare Part C plans will help with that cost. Like premiums, deductibles vary with your plan.

What do most people pay for Medicare Part B?

If you don't buy Part A when you're first eligible for Medicare (usually when you turn 65), you might pay a penalty. Most people pay the standard Part B monthly premium amount ($164.90 in 2023). Social Security will tell you the exact amount you'll pay for Part B in 2023.

How much will Part B go up in 2023?

The Centers for Medicare & Medicaid Services (CMS) has announced that the standard monthly Part B premium will be $164.90 in 2023, a decrease of $5.20 from $170.10 in 2022.

How much does Social Security take out for Medicare each month?

Medicare Deduction From Social Security 2023

In 2023, most individuals enrolled in Medicare and receiving Social Security benefits will have $164.90 deducted from their Social Security check each month. This amount covers the monthly premium specifically assigned to Medicare Part B.