What Does Medicare Cover In Virginia? 
Medicare is a federal-government run program so the type of coverage available under Medicare Parts A & B -LRB- also known as Original Medicare -RRB- will be the same regardless of the state you live in . The calculation of premiums for Original Medicare is the same everywhere as well - your income level can increase your Part B monthly premium though as it 's based on income level brackets . Medicare Part A is your hospital insurance . It provides benefits for your inpatient hospital stay , skilled nursing facility care , nursing home care , hospice care , and certain home health services . The benefit that is the most common claim is for hospital stays . During a hospital stay , your Part A will cover certain hospital services and supplies including semi-private rooms , meals , general nursing , and medications given during your stay . Acceptable hospital stays can include critical access hospitals , inpatient rehab facilities , LTC hospitals , acute care hospitals , and mental health care - you may want to confirm with Medicare whether a certain inpatient stay would be covered by a facility that is not a traditional hospital . Medicare Part B is your physician insurance . It covers doctor visits , tests , surgeries , preventive services , and supplies including DMEs -LRB- durable medical equipment -RRB- . The Part B deductible is $ 147 in 2014 . You 're responsible for about 20 % of healthcare expenses covered by Part B - Medicare only covers approximately 80 % of the costs . There is a guidebook called `` Medicare & You '' that provides a lot of information regarding Medicare coverage - the guidebook is updated each year with any new changes to coverage - you can get a copy of this from the medicare.gov website as well as look up additional information . I always recommend those on Medicare buy a Medigap plan to supplement their Part A & Part B coverage . Your Part A & Part B only covers about 80 % of expenses . A Medigap plan can cover all or a portion of the other 20 % of the expenses . The big advantage of having a Medigap plan is that it creates a very predictable healthcare expense structure . Medigap plans are also standardized , meaning the plan benefits are the same regardless of which company you purchase it from . The premiums for these programs can vary from company to company . I hope the information is helpful - please feel free to contact me for help and if you have any other questions . Thanks very much . 