Medicare Parts A, B, C, & D
Medicare Part A (Hospital Insurance) covers inpatient hospital stays, skilled nursing facility inpatient stay, hospice care, and some home health care.
Medicare Part B (Medical Insurance) covers certain doctors’ services, doctor’s fees both inpatient and outpatient, diagnostic tests (Xrays, CAT scans, etc.), medical supplies, and preventive services.
Medicare Part C (Medicare Advantage Plans) are a type of Medicare health plans offered by private companies that contract with Medicare to provide Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If you’re enrolled in a Medicare Advantage Plan, most Medicare services are covered through the plan and aren’t paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.
Medicare Part D (prescription drug coverage) adds prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service Plans, and Medicare Medical Savings Account Plans. These plans are offered by insurance companies and other private companies approved by Medicare. Medicare Advantage Plans may also offer prescription drug coverage that follows the same rules as Medicare Prescription Drug Plans.
Medicare Part D is the part of Medicare that provides outpatient prescription drug coverage. Part D is provided only through private insurance companies that have contracts with the government—it is never provided directly by the government (like Original Medicare is).
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