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What is Medicare?


What are the differences between Medicare Parts A, B, C, and D?


Medicare Part A (Hospital Insurance, included in Original Medical Plan), is managed by the government, and helps cover in-patient hospital and skilled nursing facility care, hospice, and some home health care, usually for no monthly premium.

Medicare Part B (Medical Insurance, included in Original Medicare Plan), is managed by the government, and helps cover doctors' services and outpatient care such as laboratory tests and durable medical equipment and even some preventative care for a monthly premium.

Medicare Part C (Medicare Advantage Plans), is offered by government-approved private insurance companies and provides an alternative for Medicare benefits. It combines Parts A and B. Some plans also include Part D (prescription drug) coverage (MAPD plans) and some do not (MA plans). Premiums, co-payments, co-insurance, and deductibles vary by plan.

Medicare Part D (Prescription Drug Coverage) is offered by government-approved private insurance companies, and helps cover prescription drugs and may help protect against higher costs in the future. This coverage is available as a prescription drug plan (PDP) if you have an Original Medicare Plan and is included in some Medicare Advantage plans (MAPD). Costs vary by plan and can be estimated using our free and easy to use Medicare Part D plan comparison tool.

Medigap (Supplemental Coverage) is offered by private insurance companies approved by the government and helps cover out-of-pocket costs not covered by the Original Medicare Plan (Parts A and B), such as co-payments, co-insurance, deductibles and some benefits. Medigap plans only work with the Original Medicare plan. Costs vary by plan.

What plans are available? What are the differences between the Original Medical Plan and Medicare Advantage Plans?


The Original Medicare Plan is managed by the federal government and includes Medicare Parts A and B (Hospital and Medical Insurance). Medicare Part D (Prescription Drug Coverage) can be added by purchasing a Prescription Drug Plan (PDP), which is offered by government-approved private insurance companies.

Medicare Advantage Plans are offered by government-approved private insurance companies, and offer another option for Medicare benefits. They combine Part A and Part B, and some plans also include Part D (prescription drug) coverage (MAPD plans) and some do not (MA plans.) You may get extra benefits, such as coverage for vision, hearing, dental, and/or health and wellness programs. Premiums, co-payments, co-insurance, and deductibles vary by plan.

Medicare Part D Explained:


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