MEDICARE PART A, B C AND D
Medicare Part A (Hospital Insurance)
Medicare Part A provides coverage for inpatient hospital stays, skilled nursing facility care, hospice care, and some home healthcare services. Most people qualify for premium-free Part A if they or their spouse have paid Medicare taxes for at least 10 years. However, those who don’t qualify may purchase Part A by paying a monthly premium.
Medicare Part B (Medical Insurance)
Medicare Part B covers outpatient services, including doctor visits, preventive care, durable medical equipment (DME), and certain home healthcare services. Unlike Part A, Part B requires a monthly premium, which is based on income.
Enrolling in Part B ensures coverage for routine medical needs, but beneficiaries are responsible for deductibles and coinsurance.
Medicare Part C (Medicare Advantage)
Medicare Part C, also known as Medicare Advantage, is a private insurance alternative to Original Medicare. These plans include Parts A and B and often provide additional benefits such as vision, dental, hearing, and prescription drug coverage. Medicare Advantage plans may have lower out-of-pocket costs, but typically require beneficiaries to use a network of healthcare providers.
Medicare Part D (Prescription Drug Coverage)
Medicare Part D helps cover the cost of prescription medications
and is offered through private insurance companies. Plan costs vary based on premiums, drug formularies, and coverage options. Beneficiaries should compare plans annually to ensure their medications remain covered at the best possible cost while avoiding potential late enrollment penalties.
Learn More About Part D Prescription Drug Coverage Here
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We’ve created an easy-to-follow Medicare guide that gives you all the essential information you need, along with the clarity and confidence to choose the right coverage.
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We are staffed by proven insurance and investment professionals committed to providing our clients with highly personalized service.
We are staffed by proven insurance and investment professionals committed to providing our clients with highly personalized service.
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