Medicare Part A B C D

The Right Coverage at the Lowest Price

Your search for affordable Health, Medicare and Life insurance starts here.

Call us 24/7 at (800) 439-6916 or Find an Agent near you.


Medicare coverage is broken into specific parts: Medicare Parts A, B, C, and D. Each part provides its own unique coverage, and depending on which part you choose, the enrollment options will also vary.

On the surface, Medicare parts might look confusing with their generic alphabet names, but don’t worry. Give us less than five minutes, and by the time you finish reading, you’ll be an expert.

Just keep in mind that Medicare is similar to the health insurance coverage you’ve probably had with an employer or individually. It can cover doctor visits, inpatient and outpatient hospital care, prescription drugs, lab tests, etc., and even dental and vision if you like. It’s just broken out a little different than you’re used to.

Here’s a brief overview of each of the parts of Medicare.

About Medicare Part A, B, C, and D and How to Enroll

The different parts of Medicare each provide different types of health insurance. You’re eligible to enroll in Medicare beginning three months before your 65th birthday to three months after. This is called your Initial Enrollment Period (IEP).

 

You may also be eligible at a younger age if you have a disability or end-stage renal disease (ESRD).

When you apply for Social Security benefits, you’re automatically enrolled in Medicare Part A. You can choose to enroll in Part B to receive additional coverage for a premium. Parts A and B are also called Original Medicare.

The other two parts are managed by private insurance companies, and enrollment is optional. Medicare Part C is also known as Medicare Advantage. It’s an all-in-one plan that provides the services covered by Medicare Parts A and B. It includes additional coverage, depending on the plan you choose. Medicare Part D is for prescription drug coverage.

Which Part is Right for You: Medicare Part A, B, C, or D?

Which Medicare part(s) you choose depends on what medical services you want covered. Here’s a general breakdown of what’s covered under Parts A, B, C, and D:

 

Part APart BPart C
(Medicare Advantage)
Part D
Hospital Insurance:
Inpatient hospital visits
Skilled nursing care
Home health care
Hospice care
Medical Insurance:
Doctor visits
Outpatient care
Lab tests
Ambulance services
Some medical equipment
Hospital Insurance
Medical Insurance
Prescription Drugs (not all plans)
Vision (not all plans)
Dental (not all plans)
Prescription Drugs

To help you decide how to choose what type of Medicare coverage is right for you, review your annual needs. Ask yourself basic questions such as:

  • How much can I afford in out-of-pocket expenses?
  • Do I want to keep my current providers?
  • Do I need coverage for when I travel?
  • Which hospitals or doctors are closest to me?

Gather your answers and check with a licensed insurance agent to help you make the right choice for your needs.

If you’re looking to learn more about Medicare Part A, B, C, or D, HealthMarkets can help. We have thousands of licensed, knowledgeable agents available to provide you with personalized assistance over the phone or in person.Contact us today at (855) 839-8126. Or you can find a licensed agent near you.

Our licensed agents can also answer questions about Medicare Supplement insurance plans and other insurance options.

----------
Sources:
http://www.aarp.org/health/medicare-insurance/info-01-2011/understanding_medicare_the_plans.html

HMIA002012

The Right Coverage at the Lowest Price

Your search for affordable Health, Medicare and Life insurance starts here.

Call us 24/7 at (800) 827-9990 or Find an Agent near you.

Related Information