What are the primary out-of-pocket expenses associated with original Medicare?

The correct answer accurately identifies the primary out-of-pocket expenses associated with original Medicare as deductibles, premiums, and coinsurance.

Original Medicare consists of two main parts: Part A, which covers hospital insurance, and Part B, which covers medical insurance. Beneficiaries are responsible for certain costs under this system.

Premiums are the regular payments that beneficiaries must make to maintain their coverage. For Part A, most beneficiaries do not pay a premium if they or their spouse paid Medicare taxes during their working years, but there could still be a premium for Part B.

Deductibles refer to the amount that beneficiaries need to pay out-of-pocket before Medicare starts covering their costs for services. For example, for Part A, there is usually a deductible that must be met for each benefit period before Medicare pays for hospital stays.

Coinsurance represents the percentage of costs that beneficiaries must pay after meeting their deductible. In many cases, Medicare covers 80% of approved expenses, leaving the remaining 20% as coinsurance that the beneficiary must pay.

These out-of-pocket expenses are essential for understanding the financial responsibility that Medicare enrollees have, making the selected answer comprehensive and accurate in addressing monetary obligations under original Medicare.