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What Is Medicare?

Medicare is a health insurance program offered by the government to citizens and legal residents 65 and older, and people who qualify on the basis of disability. Medicare beneficiaries have options when deciding on the best coverage. But first, you must understand each part of Medicare.

Most People Receive Medicare Coverage Through One Of These Two Ways:

1. Original Medicare plus a Medicare Supplement Insurance Plan and/or a Prescription Drug Plan. For covered services, Original Medicare pays 80% and you are responsible for the remaining 20%. Medicare Supplement Plans help you cover your share. You can also include a separate Medicare Prescription Drug Plan to help with prescription costs.

2. Medicare Advantage, which includes parts A & B, as well as added benefits and prescription drug coverage. These health plans are approved by Medicare and operated by private companies. Medicare Advantage Plans may also have their own network of doctors and/or hospitals.

Medicare Is Divided Into Parts

Medicare Part A:
Hospital Insurance

What's Covered
(What Medicare Pays For)

Inpatient Hospitalization

Skilled Nursing Facilities

Home Health & Hospice

What's Not Covered
(What You Pay For)

No Monthly Payments

Annual Deductible

Co-pays For First 150 Days Of Treatment

Medicare Part B:
Hospital Insurance

What's Covered
(What Medicare Pays For)

Doctor Visits

Outpatient Care

Preventative Services

Durable Medical Equipment

What's Not Covered
(What You Pay For)

Monthly Premiums

Annual Deductible

Co-Insurance On Doctor Services & Outpatient Care

Medicare Part C:
Hospital Insurance

What's Covered
(What Medicare Pays For)

Includes Parts A & B

Offered Through Insurance Companies

May Include Part D, Vision, or Dental

What's Not Covered
(What You Pay For)

Monthly Premiums For Part B

Premiums, Deductible & Co-Pays
(Will Vary By Plan)

Medicare Part D:
Hospital Insurance

What's Covered
(What Medicare Pays For)

Offered Through Insurance Companies

Covered Drugs Vary By Plan

All Part D plans must provide, at least, the standard level of coverage set by Medicare

What's Not Covered
(What You Pay For)

Monthly Premiums

Annual Deductible

Co-Pays Before And After "Coverage Gap"

Discounted Costs Within The "Coverage Gap"

What It's Called	What's Covered (What Medicare Pays For)	What's Not Covered (What You Pay For)
Medicare Part A: Hospital Insurance	Inpatient Hospitalization Skilled Nursing Facilities Home Health & Hospice	No Monthly Payments Annual Deductible Co-pays For First 150 Days Of Treatment
Medicare Part B: Medical Insurance	Doctor Visits Outpatient Care Preventative Services Durable Medical Equipment	Monthly Premiums Annual Deductible Co-Insurance On Doctor Services & Outpatient Care
Medicare Part C: Medicare Advantage	Includes Parts A & B Offered Through Insurance Companies May Include Part D, Vision, or Dental	Monthly Premiums For Part B Premiums, Deductible & Co-Pays (Will Vary By Plan)
Medicare Part D: Prescription Drug Coverage	Offered Through Insurance Companies Covered Drugs Vary By Plan All Part D plans must provide, at least, the standard level of coverage set by Medicare	Monthly Premiums Annual Deductible Co-Pays Before And After "Coverage Gap" Discounted Costs Within The "Coverage Gap"

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Aetna Health Insurance

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Palmetto Health Pro: Medicare Health Plans

What Is Medicare?