Original medicare insurance coverage New York is the term used to describe health coverage managed by the federal government in the United States. This program typically involves a cost associated with each service provided. With Original Medicare, individuals generally have the flexibility to choose any doctor, healthcare provider, hospital, or facility that is enrolled in Medicare and accepts new Medicare patients.

It’s important to note that Original Medicare does not cover the majority of prescription drugs, except for a few exceptions. However, individuals can opt to add prescription drug coverage through a Medicare Prescription Drug Plan (Part D). Unlike some other healthcare plans, Original Medicare does not require selecting a primary care doctor, and in most cases, referrals are not necessary to see a specialist, as long as the specialist is already enrolled in Medicare.

For those who already have employer or union coverage that covers costs not included in Original Medicare, they may not require additional coverage. However, individuals without such coverage may opt to purchase a Medicare Supplement Insurance (Medigap) policy to help with out-of-pocket costs.

If an individual is already receiving Social Security benefits before turning 65, they will typically receive automatic notification of their enrollment in Medicare shortly before their 65th birthday or their 25th month of disability. Others need to proactively apply for Medicare by contacting or visiting their local Social Security office. For further information on Medicare enrollment options, individuals can visit the government website or consult one of our agents for assistance