What are Medicare Parts A, B, C, and D?
With so many different plan choices, the constant stream of mail and TV ads, and the potential misinformation from your well-intentioned neighbor, it’s no wonder Medicare can seem confusing! Medicare Instructors is here to take that confusion away and help you select the best plan to suit your needs and budget.
Part A covers inpatient hospital services and supplies considered medically necessary to treat a disease or condition if you are admitted. Part A included inpatient hospital room and board, skilled nursing care, hospice, and some home health care costs.
Part B covers medically necessary outpatient doctor visits, outpatient surgery, physical therapy, durable medical equipment, ambulance services, and preventative services.
Part C, also known as Medicare Advantage, is a type of Medicare health plan offered by a private insurance company that contracts with Medicare to provide you with all of your Part A and Part B benefits. Medicare Advantage plans must cover all of the services that Original Medicare covers – except hospice care – and may also offer extra coverage, such as Part D prescription drug coverage.
Part D provided outpatient prescription drug coverage. Plans can be purchased on a standalone basis or be included in a Medicare Advantage plan. Plans vary in price, co-pays, and the drugs included in their formulary.
Do you have questions about our Guide to Medicare? Leave us a comment or question below or visit our Frequently Asked Questions. You can also find more of our ABC’s of Medicare and a chart of what is covered by Medicare Parts A and B.