The four parts of Medicare.
When we talk about Medicare, we try to be as specific as possible. That’s because Medicare is actually split into four distinct “parts” to provide flexibility in choosing the coverage you need.
Use this page as a quick reference guide to start talking in Medicare lingo and to better understand your options as you begin to shop plans.
When we talk about Medicare, we try to be as specific as possible. That’s because Medicare is actually split into four distinct “parts” to provide flexibility in choosing the coverage you need.
Part A helps cover inpatient care. It's available with no additional monthly premium for most people, and you pay a share of the cost for the services and benefits you use.
Part B helps pay for visits to a doctor's office, outpatient care and a few other things. Part B has a monthly premium that is usually deducted directly from your Social Security check.
Note: Medicare Parts A & B (Original Medicare) do not include an out-of-pocket maximum limit per year or provide coverage for prescription drugs, extra dental, vision, or hearing care.
Part C plans bundle all of your Part A and B benefits with extra benefits like dental, vision, hearing and fitness. Unlike Original Medicare, they have an out-of-pocket maximum limit so you can budget your healthcare costs. And many include Part D prescription drug coverage. Bright HealthCare Medicare Advantage plans are available for as low as $0 a month.
Part D plans help pay for your prescription drugs. You can enroll in a Part D plan or get your drug coverage with a Medicare Advantage plan that includes Part D. Not all plans are the same, so it's important to be sure the plan you choose includes prescriptions you take.
You can continue browsing the resources available on our site. But if you’d prefer a more personal approach, consider attending one of our New to Medicare or Community Meeting events.
To be eligible for Medicare, you must be a U.S. citizen or legal resident who has lived in the United States for at least five years in a row. Most people become eligible for Medicare when they turn 65. Adults under the age of 65 with certain disabilities or medical conditions may also be eligible for Medicare. You can use Medicare.gov’s eligibility calculator for complete details on your eligibility, but make sure you come back here when you’re done to shop plans.
As you compare plans, the following cost terms will help you evaluate which plan fits your coverage and budget needs.
As you explore your coverage options, you can also check your eligibility for the Extra Help program which provides assistance in paying for prescription drugs, premiums, deductibles, and more.
Website Last Updated: Oct 14, 2022
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