Original Medicare is the core of the federal health insurance program for individuals 65 and older, as well as certain younger individuals with qualifying disabilities or conditions. It consists of Part A (hospital insurance) and Part B (medical insurance)—and together, they form the baseline coverage for millions of Americans.

While Original Medicare provides access to a wide range of necessary medical services, it was never designed to cover 100% of healthcare costs. There are deductibles, copayments, coinsurance, and no out-of-pocket maximum, which means your financial responsibility can grow quickly—especially during unexpected illness or injury.

Understanding what Original Medicare does and doesn’t cover is the first step toward building a complete, cost-effective coverage strategy. At Walek Insurance, we ensure that foundation is strong, accurate, and fully aligned with your overall health goals.