By Kimberly Lankford
From Kiplinger’s Personal Finance
Enrolling in Medicare, which you can do starting at age 65, comes with a series of decisions for getting the most out of your health care coverage. One of the first decisions you’ll have to make is whether to enroll in original Medicare or a private Medicare Advantage plan.
Original Medicare
With original Medicare, you can use any doctor, facility or provider that accepts Medicare. Most seniors don’t pay premiums for Part A, which covers in-patient care at a hospital or skilled-nursing facility. You’ll pay a monthly premium for Part B, which covers doctor visits, physical therapy, diagnostic tests and other out-patient care. In 2022, the standard Part B monthly premium is $170.10 (dropping to $164.90 in 2023); seniors who are subject to a high-income surcharge pay more.
