Original Medicare Guidance for Trenton, NJ

A clear look at what Parts A and B pay, what they cost and where the gaps are

This is a private website. By requesting information, you will be contacted by a licensed insurance agent. We are not a government agency.

How the Federal Program Is Built

Original Medicare is the federal program itself, not a private plan. It has two pieces. Part A covers care when you are admitted, and Part B covers doctors, tests and outpatient services.

Knowing how those two pieces work is the foundation for every other choice, whether you later add a supplement, pick a drug plan or move to Medicare Advantage.

A smiling older woman in a blue t-shirt and visor waters bright flowers on the porch of a brick row house

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.

Ask for a No-Cost Plan CheckTakes about a minute

Part A: Hospital Coverage

Part A pays for inpatient hospital stays, a limited period of skilled nursing care after a qualifying admission, hospice and some home health care. If you or your spouse paid Medicare payroll taxes for about ten years, you owe no premium for it.

You owe $1,736 in 2026 at the start of each benefit period, which opens when you are admitted and closes once you go two straight months without hospital or skilled nursing care, so a rough year can include more than one.

Part B: Doctors and Outpatient Care

Part B covers physician visits, lab work, imaging, preventive screenings, durable medical equipment and outpatient surgery. The standard premium this year is $202.90 a month, typically deducted from Social Security, and the annual deductible is $283.

Once that is met, your usual share is one fifth of Medicare's approved charge. People with high incomes also pay an extra amount known as IRMAA.

What Original Medicare Does Not Pay

Routine dental work and dentures
Routine eye exams and most glasses
Hearing aids and fittings
Most outpatient prescriptions, which need Part D
Long-term custodial care
Any annual limit on your share of costs

Those gaps are why most people add something. Our Medigap guide and Medicare Advantage guide explain the two main paths.

When Not to Delay Part B

If you do not have job-based coverage from current employment, delaying Part B can result in a lifetime penalty. Active coverage through a large employer, your own or a spouse's, may let you wait. Ask before you decline it, and see our turning 65 page for the timeline.

A Free Second Opinion on Your Coverage

Jot down your prescriptions and the names of the doctors you see. We line up what you have now against the plans we represent and point out the real differences in cost and in where you can get care. Expect about thirty minutes, with no decision required during the call. You can also read our background before calling.

Click to Call

What Trenton Neighbors Ask About Original Medicare

Is my red, white and blue card all I need?

It covers Parts A and B. Most people add drug coverage and either a supplement or a Part C plan to limit costs.

Can I use Original Medicare in Pennsylvania?

Yes. It works with any provider nationwide who accepts Medicare.

Why should I keep my Medicare number private?

Scammers use it for fraudulent billing. Give it out only to your own doctors or when you decide to join a plan.

Figures follow the 2026 Medicare rules. Content checked on October 30, 2026.