What is Medicare?

What is Medicare?

Medicare is a federal health insurance program split into four Parts: 

A, B, C, & D. 
Medicare Part A - Hospital Care 

  • Inpatient Hospital Care
  • Skilled Nursing Facility Care
  • Long Term Care Hospitals
  • Most people don’t have to pay a premium for Part A. You’ve already paid into the system in the form of the Medicare tax deductions on your paycheck.

Medicare Part B - Doctor, Outpatient Services & Supplies 

  • Doctor Visits
  • Lab Tests
  • Diagnostic Screenings
  • Outpatient Care
  • Home Health Services
  • Medical Equipment
  • Ambulance Transportation
  • And other outpatient medical services

Medicare Part B also covers some Preventive Services​

  • Includes a one-time “Welcome to Medicare” preventive visit
  • Flu and hepatitis B shots
  • Cardiovascular screenings, Cancer screenings, diabetes screenings, and more.
  • For a full list of preventive services covered under Medicare Part B, refer to the Medicare handbook, "Medicare & You"

Together, Parts A and B are commonly referred to as “Original Medicare”.

Medicare Part C – Medicare Advantage 

​Medicare Advantage Plans are an alternative to Original Medicare. They are offered by private insurance companies that contract with Medicare to provide you the same health care coverage and services as Original Medicare plus most plans also offer prescription drug coverage. Think of Medicare Advantage plans as a kind of a one-stop shopping choice that combines Part A, Part B, and usually Part D into one plan. They also may cover additional benefits that Original Medicare does not cover.

If you are enrolled in a Medicare Advantage Plan (MAPD) your services are not paid for by Medicare but paid by the private insurance company that you enrolled under. 
Types of Medicare Advantage Plans:
The area where you live might have all, some, or none of these types available. In addition, there might be multiple plans available in your area within the same type, if private companies choose to offer them. To see Medicare Advantage Plans available to you, visit Medicare.gov/plan-compare

​Medicare Part D – Prescription Drugs

​Medicare Part D is a federal program administered through private insurance companies. This is the part of Medicare that pays for some of your prescription drugs. You buy a Part D plan through a private insurer. Beneficiaries can enroll in a standalone Part D drug plan that goes alongside their Original Medicare benefits, or they can choose a Part D drug plan that is built-in to a Part C Medicare Advantage plan.
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