Medicare can feel complicated at first, especially when you hear about Parts A, B, C and D. Understanding what each part does can make it easier to navigate your coverage options.

Part A: Hospital Insurance

Part A generally helps cover inpatient hospital care, skilled nursing facility care, hospice care and some home health care.  

Part B: Medical Insurance

Part B generally covers doctor visits, outpatient care, preventive services and certain medical equipment.   Together, Parts A and B make up Original Medicare.  

Part C: Medicare Advantage

Medicare Advantage, also known as Part C, is an alternative way to receive your Medicare benefits through a Medicare-approved private plan. These plans include Part A and Part B coverage, may include Part D (Prescription Drug Coverage) and may offer additional benefits.  

Part D: Prescription Drug Coverage

Part D helps cover prescription medications. Plans have their own lists of covered drugs, so it’s important to check whether your medications are included.  

Which Parts Do You Need?

Your healthcare needs, prescriptions, budget and preferred providers can all play a role in determining which coverage may be appropriate for you.

If you're approaching 65 or already eligible for Medicare, take time to understand your options and enrollment deadlines. Knowing the basics is the first step toward making better decisions.

 

There isn't one Medicare combination that works for everyone.