The Four Parts of Medicare

Medicare is health insurance for people 65 and older, people under 65 with certain disabilities, and people of any age with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant).

There are four "parts" to your Medicare benefits:

A
Medicare Part A is hospital coverage

Part A (also called Original Medicare) is managed by Medicare and provides Medicare benefits and coverage for:

  • Inpatient hospital care

  • Inpatient stays in most skilled nursing facilities

  • Hospice and home health services

B
Medicare Part B is medical coverage

Part B (also called Original Medicare) is managed by Medicare and provides Medicare benefits and coverage for:

  • Doctor and clinical lab services

  • Outpatient and preventive care

  • Home health care

  • Screenings, surgical fees and supplies

  • Physical and occupational therapy

C
Medicare Part C combines both A and B

Medicare Part C (also called Medicare Advantage) is a different way of getting Medicare Part A and Part B coverage. Medicare Advantage (MA) Plans combine Part A (hospital insurance) and Part B (medical insurance) together in one plan. They can also be combined with Part D prescription drug coverage creating a Medicare Advantage Prescription Drug (MA-PD) Plan. Generally, these plans are offered as:

D
Medicare Part D is Prescription Drug Coverage

A Medicare Part D Prescription Drug Plan (PDP) can be a stand-alone plan (not joined with other insurance) or it may be combined with a Medicare Advantage Plan, also called a Medicare Advantage Prescription Drug (MA-PD) Plan. Part D plans:

  • Help cover the cost of prescription drugs

  • May help lower prescription drug costs and protect against higher costs in the future




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