Medicare Basics: Understanding Parts A, B, C & D

“The art of simplicity is a puzzle of complexity.” – Douglas Horton

Medicare is one of the most important programs for seniors in the U.S., but it can feel confusing when you first look at all the different parts and options. Breaking it down into simple sections helps you see how each part works — and how they can work together to create the coverage you need.

Medicare Part A – Hospital Insurance

Part A covers inpatient hospital care, skilled nursing facilities, hospice, and some home health services. Most people don’t pay a premium for Part A because they paid into Medicare through payroll taxes while working.

Medicare Part B – Medical Insurance

Part B covers doctor visits, outpatient care, preventive services, and durable medical equipment. Unlike Part A, there is a monthly premium for Part B, and costs can vary depending on your income.

Medicare Part C – Medicare Advantage

Part C, also called Medicare Advantage, is offered by private insurance companies. These plans combine Parts A and B, and often include Part D (prescription coverage) along with extra benefits like dental, vision, hearing, and wellness programs.

Medicare Part D – Prescription Drug Coverage

Part D is a standalone plan for prescription drug coverage. It’s available through private insurers and can be added to Original Medicare or paired with a Medigap plan.

How the Parts Work Together

• Many people pair Original Medicare (A & B) with a Medigap plan for extra financial protection.

• Others choose a Medicare Advantage plan (Part C) that includes prescription coverage (Part D) and additional benefits.

• The right choice depends on your healthcare needs, budget, and provider preferences.

Final Thoughts

Medicare doesn’t have to be overwhelming. By understanding the basics of Parts A, B, C, and D, you’ll have a clearer picture of your options. And when it comes time to make your choice, you don’t have to go it alone. I’m here to walk you through the details, answer your questions, and help you find the coverage that fits your life.

FAQs: Medicare Parts A, B, C & D

1. What does Medicare Part A cover?
Medicare Part A covers inpatient hospital care, skilled nursing facility stays, hospice care, and some home health services. Most people qualify for premium-free Part A.

2. Do I have to pay for Medicare Part B?
Yes. Medicare Part B has a monthly premium, which is based on income. It covers doctor visits, outpatient care, preventive services, and medical equipment.

3. What’s the difference between Original Medicare and Medicare Advantage?
Original Medicare includes Part A and Part B, with the option to add Part D and Medigap. Medicare Advantage (Part C) is offered by private insurers and combines Parts A and B, usually with drug coverage and extra benefits like dental or vision.

4. Do I need Medicare Part D if I don’t take prescriptions?
It’s recommended. Even if you don’t take medications now, enrolling in Part D when you’re first eligible helps you avoid late enrollment penalties later if you need prescription coverage.

5. Can I have both Medigap and Medicare Advantage?
No. You must choose one or the other. Medigap only works with Original Medicare, while Medicare Advantage replaces Original Medicare and usually includes drug coverage.