Parts A & B

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What do Medicare Parts A and B (Original Medicare) cover?

Medicare Parts A & B, often called Original Medicare, are the two parts of the federal health insurance program for people 65 years of age or older. This health insurance program is also available to younger people who qualify based on specific, existing health conditions.

What does Medicare Part A cover?

Medicare Part A is hospital insurance that covers certain expenses incurred during an inpatient hospital stay. This includes things like your room fees, meals, operating room, and rehabilitation services as well as lab tests and X-rays. Medicare Part A also covers necessary medical supplies and drugs that are administered during your hospital stay. However, it does not cover the fees of doctors associated with your care while you are in the hospital. Medicare Part A also does not cover hospital fees considered medically unnecessary, such as private duty nursing, the television or telephone in your room (if there are separate charges for these), or personal care items such as razors and slippers.


What does Medicare Part B cover?

Medicare Part B covers medically necessary outpatient services such as routine doctor visits, many emergency medical services, outpatient mental health services and some preventive care measures, such as flu shots. Medicare Part B also covers the equipment and tests administered during these outpatient services. Like Medicare Part A, Medicare Part B covers some medication administered during your visit but not drugs you are prescribed to take after the visit is complete.

How do I enroll in Medicare Parts A and B?

If you are approaching the age of 65 and are receiving Social Security or Railroad Retirement Board (RRB) benefits you are automatically enrolled in Medicare Parts A and B starting the first day of the month you turn 65. You are also automatically enrolled if you are under 65 and are receiving disability benefits from Social Security or certain benefits from RRB.

If you are over 65 but not receiving Social Security or RRB benefits, or qualify because you have End-Stage Renal disease, you will need to sign up for Medicare Parts A & B benefits.

What We Offer

At Healthwise Rapid City
  • Part A
  • Part B
  • Part D
  • Medigap Policies
  • Part C
  • Medicare Cost Plan

Part A

Medicare Part A (Hospital Insurance): Part A coverage is a premium-free program for participants with enough earned credits based on their own work history or that of a spouse at least 62 years of age (when applicable) as determined by the Social Security Administration (SSA).

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Part B

(Outpatient and Medical Insurance): Part B coverage requires a monthly premium contribution. With limited exception, enrollment is required for members who are retired or who have lost Current Employment Status and are eligible for Medicare.

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Part D

(Prescription Drug Insurance): Part D coverage is not required for plan participants enrolled in any of the state programs (i.e., CIP, TRIP, LGHP or State). Medicare Part D coverage requires a monthly premium, unless the participant qualifies for extra-help assistance.

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Medigap Policies

Medigap is Medicare Supplement Insurance that helps fill “gaps” in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like:
– Copayments
– Coinsurance
– Deductibles

Our Approach

For everyday care or life-changing care, you can count on us and loved.


You can count on us to keep you and your loved ones safe and healthy.


Part C

 A Medicare Advantage Plan (like an HMO or PPO) is another Medicare health plan choice you may have as part of Medicare. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare.

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Medicare Cost Plan

A Medicare Cost Plan is similar to a Medicare Advantage plan in that enrollees have access to a network of doctors & hospitals and may have additional benefits beyond what’s provided by Original Medicare. But unlike Medicare Advantage plans, a cost plan offers policyholders the option of receiving coverage outside of the network, in which case the Medicare-covered services are paid for through Original Medicare. Cost plan enrollees may decide to return to Original Medicare at any time, since a cost plan works in tandem with (as opposed to a replacement for) Original Medicare. Cost plan coverage is popular in our region, and it should be of interest to all ages of Medicare beneficiaries.

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Our Team

Dean Henzlik, CSA
Your Medicare Caddy.