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The "ABC's" of Medicare

Medicare Part A

Medicare Part A is commonly considered hospitalization insurance. Part A covers costs related to:

But once you make your selections, you aren’t stuck with those plans for life. In fact, Medicare offers you opportunities to change your plan(s), depending upon the situation.

Inpatient care in a hospital
Skilled nursing home care Inpatient care in a skilled nursing facility that is not custodial or long-term
Hospice care
Home health care

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Medicare Part B

Medicare Part B provides for the rest of your non-hospitalization healthcare needs. Under Part B you receive coverage for:

Medically necessary services such as doctor visits, tests, and other services as needed to diagnose or treat your condition
Preventive services like routine screenings, check-ups, vaccinations, and more
Clinical research
Ambulance services
Durable medical equipment
Mental health services
Limited outpatient prescription drugs

Together, Medicare Parts A and B are called Original Medicare.

Medicare Part C

Medicare Part C, or Medicare Advantage is designed to roll the coverage of Parts A and B into one plan, offered by a private health insurance company that contracts with Medicare.. By law, Advantage plans must offer at least the same coverage as Original Medicare. Other rules may differ, or the network might offer additional benefits. Many Advantage plans also include Part D, or prescription drug coverage.

Common types of Part C plans include:

Health Maintenance Organization (HMO) plans
Preferred Provider Organization (PPO) plans
Private Fee-for-Service (PFFS) plans
Special Needs Plans (SNPs)
HMO Point of Service Plans (HMOPOS)
Medicare Medical Savings Account (MMSA)

If you opt for a Part C plan, you will have the opportunity to compare plans, benefits, and rates each year during an Annual Election Period.

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Disclaimer: We do not offer every plan available in your area. Currently, we represent 12 organizations which offer 84 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.