What is Part A, Part B, Part C, and Part D?

People often times are confused with hearing all the Part A, Part B, Part C, and Part D.  What is it?

These letters are what Medicare covers for your health insurance.

Part A covers hospital care and stays, skilled nursing facility, hospice, lab test, surgery, and home health care.

Part B covers doctors, outpatient visits, other health care provider services, durable medical equipment, home health care, and some preventive services.

Part C it is often referred to as Medicare Advantage.   Which includes Part A, Part B, Part D, and additional benefits that Original Medicare does not cover.  There are zero monthly premiums.

Part D is the prescription drug plan.  There is a monthly premium.  Some plans offer two or more options and will have different deductible.

 

Part A and Part B are your Original Medicare.

Part D is your precription drug.  You will need to get a drug plan if you stay with Original Medicare or when enrolling Medicare Supplement.

Part C is the combination of Part A, Part B, and Part D, which is also known as Medicare Advantage.

 

If you are still employed and your employer provides health insurance coverage.   You may enroll in Medicare and have your Part A become effective.  When you retire, you may enroll in Part B.  Often times, the dates for both Part A and Part B are different.  And, sometimes they are the same.  It is a matter of when you decide to enroll.