4 Parts of Medicare

What is Medicare?

Medicare is a federal health insurance program for people 65 and older, and for some younger individuals with disabilities. Understanding your options is the first step to getting the coverage that fits your needs.

The 4 Parts of Medicare

Part A: Hospital Insurance

Part A helps pay for inpatient care in hospitals, skilled nursing facilities, hospice care, and some home health care.

Part B: Medical Insurance

Part B covers outpatient care like doctor visits, preventive services, lab tests, durable medical equipment, and some home health care.

Part C: Medicare Advantage

Medicare Advantage (Part C) plans bundle Part A and B (and usually Part D) into one plan offered by private companies approved by Medicare. Many include extra benefits like dental, vision, and wellness perks.

Part D: Prescription Drug Coverage

Part D plans cover the cost of prescription drugs and are offered by private insurers. You can add a Part D plan to Original Medicare or get it included with a Medicare Advantage plan.

Next: Before You Enroll

Before you enroll in Medicare, here are some questions to ask yourself about what you actually need…