📚Understanding the 4 Parts of Medicare
🩺 Medicare Part A – Hospital Insurance
Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care.
Most people don’t pay a premium for Part A if they’ve worked 10+ years.
💊 Medicare Part B – Medical Insurance
Covers doctor visits, outpatient care, preventive services, and medical supplies.
You pay a monthly premium based on your income (deducted from Social Security if you’re receiving it).
🧴 Medicare Part C – Medicare Advantage
Offered by private companies approved by Medicare.
Includes everything Part A and B cover – often bundled with drug coverage, vision, hearing, and dental.
May include extras like gym memberships and wellness programs.
💊 Medicare Part D – Prescription Drug Coverage
Helps cover the cost of prescription drugs.
Available as a standalone plan or bundled with a Medicare Advantage plan
What Medicare Does NOT Cover:
Long-term care (custodial care)
Dental, vision, hearing (unless on an Advantage plan)
Cosmetic surgery
Most prescription glasses or hearing aids
Overseas medical care
