Types of Medicare plans

Part A - Hospital Insurance 
 

• Original Medicare Part A covers inpatient care you get at a hospital or skilled nursing facility. Sometimes, Part A covers care you get at home, too.

• Most people do not pay a monthly premium for Part A.*

• You may pay a deductible, copays, and coinsurance for your health care, unless you have a separate Medicare Supplement plan to help cover those costs.

  *For most people receiving Social Security benefits

Part B - Medical Insurance
 

• Original Medicare Part B covers your doctor’s visits plus preventive care, ambulance services, and durable medical equipment.

• Part B is optional. You don’t have to sign up for Part B if you don’t want it.

• You usually pay a monthly premium.

For most services, you pay a yearly deductible and coinsurance, unless you have a separate Medicare Supplement plan.

Medicare can be confusing but getting to know how government-sponsored Original Medicare works is a great place is to start.

Learn more about Original Medicare

Part C - Medicare Advantage 
 

• Medicare Advantage plans combine all of the benefits of Original Medicare Parts A and B.
• Medicare Advantage plans usually include prescription drug coverage (Part D).
• Many Medicare Advantage plans include extra benefits like dental, hearing, and vision care.
• Premiums and deductibles vary by plan.

Learn more about Medicare Advantage plans

Part D - Prescription Drug
 

• Medicare Part D prescription drug coverage may be included with Medicare Advantage plans (Part C).
• You can also purchase a Part D prescription drug plan by itself, or in addition to a Medicare Supplement plan.
• Premiums and deductibles vary by plan.

Learn more about Medicare Prescription Drug plans

Medicare Supplement (Medigap)
 

• Medicare Supplement (Medigap) plans help pay for costs Original Medicare does not cover, like copays and coinsurance for the health care you receive.
• Most Medicare Supplement plans allow you to choose any doctor, specialist, or hospital that accepts Medicare.
• Your benefits and costs will depend on the plan you choose. Medicare Supplement plans also may factor in your age, tobacco use, and county of primary residence when you apply.

Learn more about Medicare Supplement plans