The ABCs of Medicare

A Quick Guide to Medicare Parts A, B, and C 

Enrolling in Medicare can feel overwhelming, but understanding the core components can make the process much clearer. Here is a brief breakdown of Medicare Parts A, B, and C: 

Medicare Part A is often referred to as hospital insurance. It covers: 

• skilled nursing facility care 

• inpatient hospital stays 

• hospice care 

• some home health services 

For the most part, people do not pay a premium for Part A if they (or their spouse) paid Medicare taxes while working. Part A is the foundation of Medicare and kicks in when hospital care is needed. 

Medicare Part B is medical insurance and helps cover outpatient care like: 

• doctor visits 

• lab tests 

• X-rays 

• preventive services 

• durable medical equipment 

Unlike Part A, Part B typically requires a monthly premium and may include a deductible and coinsurance. Together, Parts A and B are called "Original Medicare." 

Medicare Part C, also referred to as Medicare Advantage, is an alternative to Original Medicare and is offered by private insurance companies approved by Medicare. Part C combines coverage from Parts A and B and often includes additional benefits like: 

• vision 

• dental 

• hearing 

• prescription drug coverage 

Part C plans can offer lower out-of-pocket costs but typically require staying within a provider network. 

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Choosing the right parts depends on your health needs, budget, and provider preferences. Understanding how these components work together is the first step in creating a Medicare plan that works best for you. 

Simplify your Medicare plan shopping by visiting Medicare65forU.com or by contacting Donald at (203) 856-4237 for a complimentary consultation.