Your Medicare Options
Let us help you find the right Medicare plan tailored to your needs.
What are the parts of Medicare?
Understand the Key Parts of Medicare: What They Cover and How They Benefit You
Medicare Part A
Medicare Part A covers your hospital stays, offering cost-effective inpatient care. But what exactly does inpatient mean? We explain to our clients that it's like having "room and board" in a hospital. This means it includes a semi-private room with a bed for you and all your meals during your stay. It also covers medications provided by the hospital, along with any required lab services or medical supplies
Medicare Part B
Medicare Part B covers a range of outpatient medical services, including preventive care like flu shots and screenings, doctor's visits, lab tests, ambulance, and more. It also covers certain hospital services like surgeries, chemotherapy, and medical equipment.
While Part B is optional, it's essential if Medicare is your primary insurance and is required for Medigap supplemental coverage.
Medicare Part C
Medicare Part C, known as Medicare Advantage (MA), is an alternative to traditional Medicare offered by private companies. These plans combine Part A, Part B, and usually Part D into one. Similar to group insurance from past jobs, MA plans often have a local network of providers and involve copays for services like doctor visits and hospital stays. While optional, these plans are a choice for those seeking a bundled Medicare option.
Medicare Part D
Medicare Part D is a federal program offering affordable copays for prescription drugs that you pick up from retail pharmacies. It's a voluntary option that helps make medications more affordable and provides protection against extremely high drug costs.Enrollment in Medicare Part D isn't through Social Security. Instead, you select a plan from a private insurance company available in your state. While Part B is optional, it's essential if Medicare is your primary insurance and is required for Medigap supplemental coverage.