Does Original Medicare have an out-of-pocket cap?

With Part A (hospital coverage) and Part B (doctor and outpatient coverage), there is no limit on the total amount you could pay in coinsurance, your share of costs after the deductible, in a single year. This is one of the most important things to understand about Original Medicare. To help manage this, many people add a Medigap policy, also called Medicare Supplement Insurance, which is private coverage that helps pay some of the costs Original Medicare leaves to you. Medicare Advantage plans, the bundled private option, do include a yearly out-of-pocket limit. The lack of a built-in cap is a key reason people consider extra coverage.