📚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