What is Medicare?

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Medicare is a national United States health insurance program for people 65 and older. It also applies to people with certain disabilities. Medicare is divided into different Parts. Let us help you understand how they work together.

Medicare Part A

(Hospital)

Part A is hospital insurance that assists you with the cost of inpatient care and skilled nursing facility stays. It also helps with things like hospice and home health care. In general, you should think of the inpatient hospital benefit as Medicare coverage for your semi-private room.

However, Part A does NOT cover all of the treatments that might occur in a hospital or clinical setting, such as outpatient surgeries. Those could fall under Part B.

Medicare Part B

(Doctor)

Part B is your outpatient medical coverage. It covers your doctor's visits. This includes visits while in the hospital. It also includes medical coverage for lab work, preventative services, ambulance services, and outpatient surgeries. You need Part B to cover these costs.

In addition, Part B covers cancer therapy and kidney dialysis, which can be extremely expensive charges if not covered.

Medicare Part C

(Medicare Advantage)

Part C refers to the Medicare Advantage program, which is private insurance. The cost of Advantage plans varies. The premium is set by the carrier, your county of residence, and the plan selected.

To enroll in a Part C plan, you must first be enrolled in both Parts A and B. Part C is voluntary.

Once you enroll, your Medicare coverage will come from the Advantage plan itself, not from the government.

Medicare Part D

(Drug)

Part D is coverage for retail prescription drugs that come from a retail pharmacy. Part D is a voluntary program that allows you to access medications at a more affordable rate. It also provides insurance against catastrophic drug costs.

To enroll in Part D, you will choose a Medicare Part D plan offered by a private insurance company in your state.

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. Medicare has neither reviewed nor endorsed this information. We are not connected with or endorsed by the United States government or the federal Medicare program.

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