The Parts of Medicare
Not sure which combination is right for you?
Part A: Hospital Insurance
Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.
Premium-free if you or your spouse paid Medicare taxes for at least 10 years
Part B: Medical Insurance
Covers doctor visits and outpatient care, preventive services, durable medical equipment, mental health services, lab tests, diagnostic services, and certain home health services
Monthly premium based on income.
Part D: Prescription Drug Coverage
Covers prescription medications. Available through Stand-alone Part D plans and Medicare Advantage plans with drug coverage
Supplement Insurance-Medigap
Helps cover out-of-pocket costs not paid by Original Medicare, such as deductibles, coinsurance, and copayments.
Original Medicare typically covers about 80% of approved healthcare costs.
Part C: Medicare Advantage
Offered by private insurance companies as an alternative to Original Medicare. Includes some of Part A, Part B, and often Part D prescription drug coverage.
Costs vary by plan and location.
