MEDICARE
MEDICARE PART A
Medicare Part A is your hospital insurance and is often considered the foundation of your Medicare coverage. It helps cover inpatient care when you’re admitted to a hospital, skilled nursing facility care, hospice services, and certain home health care services. Most people receive Part A premium-free if they or their spouse paid Medicare taxes while working. This coverage ensures that, in the event of a serious illness or surgery, you have protection against high hospital costs.
MEDICARE PART B
Medicare Part B helps cover medically necessary services like doctor’s visits, outpatient care, preventive services, durable medical equipment, and some home health care. While Part A covers your care in a facility, Part B covers the care you receive outside of one—like seeing your primary care doctor or getting lab tests and X-rays. You’ll typically pay a monthly premium for Part B, and it’s an essential component for maintaining your health and staying ahead of potential issues with regular checkups and screenings.
MEDICARE ADVANTAGE (PART C) & MEDICARE SUPPLEMENTAL (MEDIGAP
Medicare Advantage
Medicare Advantage Plans, also known as Part C, are an all-in-one alternative to Original Medicare offered by private insurance companies approved by Medicare. These plans combine your Medicare Part A (hospital) and Part B (medical) coverage into a single plan and often include extra benefits like dental, vision, hearing, and even fitness programs. Many Medicare Advantage Plans also include prescription drug coverage (Part D), giving you comprehensive care in one convenient package. These plans may have lower out-of-pocket costs than Original Medicare, but they often require you to use a specific network of doctors and hospitals.
Medicare Supplemental - (Medigap)
Medicare Supplement Insurance, also known as Medigap, helps fill the “gaps” in Original Medicare (Parts A and B) by covering certain out-of-pocket costs such as deductibles, coinsurance, and copayments. These plans are offered by private insurance companies and are designed to give you more predictable healthcare costs and peace of mind. Medigap plans work alongside Original Medicare and allow you to see any doctor or hospital that accepts Medicare, without needing referrals. They do not include prescription drug coverage, so you may also want to consider enrolling in a Part D plan separately.
MEDICARE PART D - RX PRESCRIPTION DRUG PLAN
Medicare Part D helps cover the cost of your prescription medications. Medicare Part D is offered through private insurance companies approved by Medicare. Part D plans are available as standalone drug plans to go with Original Medicare or as part of a Medicare Advantage Plan with drug coverage (MAPD). These plans typically have a formulary, which is a list of covered drug, and may include tiered pricing to help manage costs. With Part D, you can protect yourself from high out-of-pocket expenses and gain access to the medications you need to maintain your health.
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