Original Medicare Guidance in Camden, NJ

The hospital and medical basics, their limits and their 2026 prices

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The Foundation Under Every Medicare Choice

Every other Medicare choice is built on top of Parts A and B, so it pays to know them well. They are run by the federal government, accepted by most doctors and hospitals nationwide, and the starting point for anyone turning 65.

Knowing their limits matters just as much. Original Medicare leaves gaps that surprise many new members, and the way you fill those gaps shapes your costs for years.

An older woman in a sky blue dress waters red geraniums on the stone steps of an ornate historic brick rowhome in Camden while a neighbor in a green shirt walks by

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

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Part A in a Nutshell

Part A handles inpatient stays, short-term rehab after at least three inpatient days, hospice and some home health services. There is usually no monthly charge for it, provided you or your spouse put in roughly ten working years of Medicare payroll tax.

Costs come in when you use it. This year, you owe $1,736 when a benefit period starts, and very long stays add daily coinsurance. A period wraps up after you have gone two full months, 60 days, without any hospital or rehab-facility stay.

Part B in a Nutshell

Part B covers office visits, outpatient surgery, lab tests, imaging, durable medical equipment such as walkers, and many preventive services, including a yearly wellness visit at no charge.

Most people see the standard $202.90 monthly premium for 2026 taken straight out of their benefit check. Higher earners pay more. After a $283 deductible for the year, you generally owe 20 percent of the approved amount.

What Original Medicare Does Not Cover

Most prescription drugs you take at home
Routine dental work, eye exams for glasses and hearing aids
Help with daily living in a long-term care home
Care outside the United States, with rare exceptions

Most enrollees fill those holes in one of two ways. A Medigap policy plus a drug plan is one route; a Part C plan is the other.

Assignment and Your Doctor's Bill

Doctors who take assignment accept Medicare's set fee as payment in full. Those who decline assignment may add as much as 15 percent on top. Asking the office this question before a procedure can save real money.

Get a Free Look at Your Options

Bring your medicine list and the names of your doctors. We hold what you have today up against the plans we carry and show you where the cost and access really differ. Plan on about half an hour, and take as long as you like to decide afterward. Curious who we are? Read about us.

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Camden Questions About Original Medicare

Can I stay with Original Medicare and buy nothing else?

You can, but you would have no yearly limit on your 20 percent share and no drug coverage, and a late penalty may apply if you add Part D later.

I'm still employed. Must Part B start now?

Not always. If you have coverage from a current employer with 20 or more workers, you may be able to delay without penalty. We walk through your situation.

Where do I sign up?

Social Security handles it, on ssa.gov, by telephone or at one of its offices.

Based on 2026 Medicare rules; reviewed October 30, 2026.