Original Medicare — Parts A and B

For many, Original Medicare alone does not provide a comprehensive safety net for health care expenses.

While Medicare Parts A and B help to provide coverage for some hospital and medical costs, the fact remains: for many people it's not enough.

Because of potential gaps in coverage, many people purchase additional health care coverage to help build complete coverage and provide a more comprehensive safety net for their health and financial well-being.

Aon Retiree Health Exchange will help you choose coverage that meets your unique health and financial needs.

The whole coverage picture

Original Medicare

Additional health care coverage

What does Original Medicare usually cover?

Coverage Medical Services Prescription Drugs Financial Protection
Part A
  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care

More Details
None Limited
Part B Part B covers two types of services:
  • Medically Necessary - Services or supplies that are needed to diagnose or treat your medical condition and that meet accepted standards of medical practice.
  • Preventive - Health care to prevent illness (like the flu) or detect it at an early stage.


Covered services include:
  • Doctors' visits
  • Outpatient care
  • Home health care
  • Durable medical equipment and supplies

More Details
Limited* Limited

* With a few exceptions, most prescriptions are not covered. Financial protection is also limited under each part. Please refer to the complete Medicare & You Handbook for a full review of Medicare Parts A and B coverage.


For more information, please see: Medicare & You Handbook


What's not covered by Original Medicare (Parts A and B)?

  • Most outpatient prescription drugs*
  • Routine vision care (including eye examinations)
  • Long-term care
  • Routine dental care
  • Dentures
  • Cosmetic surgery
  • Acupuncture
  • Hearing aids and exams for fitting hearing aids