There are many different layers that make up Medicare coverage, and it may be easy to get confused about what’s included. Understanding what each component of Medicare covers is important to selecting the right health insurance coverage for you.
Use the guide below to see what’s covered by each part of Medicare.
Medicare Part A provides coverage for hospital expenses. These include:
Inpatient hospital care (for acute care hospitals, critical access hospitals, long-term care hospitals, inpatient rehab facilities, inpatient care for clinical research studies and inpatient mental health care).
Skilled Nursing Facility (SNF) care
Hospice care (inpatient or at-home; certain restrictions apply)
Medicare Part B is known as “medical insurance” and covers services like doctor visits, surgeries and preventive care. Other services covered by Part B include:
Clinical research studies
Durable medical equipment (DME) (medically necessary equipment prescribed by a doctor that is used in your home and is expected to last at least three years).
Mental health treatment (inpatient and outpatient)
Medicare Part C is a little different than Part A or Part B (Original Medicare). Part C is known as “Medicare Advantage” and is an alternative to Original Medicare. Instead of receiving Medicare benefits from the federal government, you receive them from a private health insurance plan.
Medicare Advantage plans must provide at least the same coverage as Part A and Part B together but can do so under different terms, rules and costs.**
There are hundreds of Part C plans available. In addition to providing the same benefits as Part A and Part B, these plans may also include additional coverage such as:
Medicare Part D is the Medicare program’s prescription drug component. You can receive drug coverage through a Medicare Advantage plan that provides it, or you can add a standalone Prescription Drug Plan (PDP) to Original Medicare or a Medicare Advantage plan that doesn’t offer prescription drug coverage. Like Medicare Advantage, PDPs are sold by private insurers. Costs, terms and types of medication covered can vary.
To learn more about Medicare coverage and to find a Medicare Advantage plan or Prescription Drug Plan in your area, call a licensed insurance agent at TTY Users: 711.