Help! I am confused! Part A, Part B, Part C, Part D? What does this mean? Do I need all parts and what are the differences?

Medicare can ba complicated to understand and at times, it can seem overwhelming trying to figure out all of the different parts that Medicare has to it and which services are covered and which are not.

There are Four Parts to Original Medicare.  Lets break it down and simplify it for you.

Part A , also referred to as “Hospital Insurance” helps to pay for Inpatient Hospital care, Critical Access (or Rural) Hospitals, Skilled Nursing Facility Care, Some Home Health Care and Hospice Care. Most people do not have to pay for Part A because it was paid for during their working years.

Part  B (Medical Insurance) helps to pay for Outpatient Doctors visits and services, Ambulance services, Outpatient Hospital Care, X-rays, Laboratory Tests, Durable Medical Equipment and Supplies, Home Health Care (if you do not have part A), Preventative Care and Physical and Occupational therapy. Part B is usually paid for through a deduction from your Social Security check.

Part C, also referred to as Medicare Advantage and these plans are offered through Private Insurers. You have the option of selecting an HMO plan, a PPO plan or a Special needs plan which is typically for individuals with disabling conditions or who are in nursing homes.  These plans may cover items and services that parts A and B do not cover.  Premiums for Part C will vary.

Part D is for Medicare Prescription Drug coverage. This is also offered through Private Insurance companies.   There is a premium for this coverage.

Does this help to clear up your questions? Please Feel free to contact us if you have any questions.

We are always more than happy to help you to understand your coverage options.

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