What are the different Medicare parts?
Different Medicare parts cover specific health-related services:
1. Part A (Hospital Insurance)
• Part A covers costs of home health care, skilled nursing unit, and nursing home.
• Also helps cover costs of inpatient care (remember to ask your doctor if you are an inpatient or an outpatient)
* Examples of home health care include: intermittent skilled nursing care, physical therapy, speech-language pathology services, continued occupational services, and more.
2. Part B (Medical Insurance)
• Part B covers costs of outpatient care, medical equipment needed, home health care, and your doctors services.
• Also helps cover preventive services, to keep your illness from worsening or just maintaining your healthy lifestyle.
*Examples of preventive services include: checking blood pressure to prevent heart disease and strokes, giving information on smoking , drugs, and alcohol. Taking blood samples to check for abnormalities, checking urine for diabetes, etc.
3. Part C (Medicare Advantage)
• Part C is a way to get the services covered from Part A, Part B, and most of the time Part D.
• Part C is offered by private companies only approved.
•Some Part C plans provide significant coverage beyond what you get in Parts A and B – including, in some cases, prescription drug coverage – but not all.
*Your Part C may offer extra coverage such as hearing, dental, vision, or health and wellness programs, for an additional cost.
4. Part D (Prescription Drug Plan)
• Part D helps cover the costs of prescription drugs.
• Part D may help lower the cost of your usual prescription drugs (ask about open enrollment period to get an estimate)
• Part D could also help protect you against increasing prescription costs
• This part is only available by Medicare approved private insurance companies.