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Medicare is a government health insurance program for people over the age of 65 or with certain types of disabilities. Different Medicare parts help cover different medical services.
If you need to shop around for Medicare parts or other health insurance options, HealthMarkets maintains a portfolio of more than 180 national and regional insurance companies.
Defining the Medicare Parts
In addition to understanding which Medicare parts cover certain medical services, it’s also important to understand who may enroll in coverage and how. Below is an overview of the four main Medicare parts:
- Part A: Medicare Part A is your hospital insurance, which also includes hospice and home healthcare, as well as care from a skilled nursing facility. When you apply for Social Security benefits, you are automatically enrolled in Part A.
- Part B: Medicare Part B covers doctor visits, outpatient care, and medical supplies. Think of this part as preventive coverage. If you enroll in Part B, the premium is deducted from Social Security benefits.
- Part C: Medicare Part C is also called Medicare Advantage. It includes all the benefits of Parts A and B, and it may also provide coverage for prescription drugs. Part C is purchased through private insurance companies.
- Part D: Medicare Part D is also purchased through private insurance companies and is coverage for your prescription drugs.
When you’re ready to talk more about Medicare parts and options, HealthMarkets has thousands of licensed insurance agents available for you over the phone or in person. Just listen to what Leon from La Jolla, California, had to say about his experience: “Our HealthMarkets agent was excellent. She explained our Medicare choices and followed up at every level.”