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Medicare basics

Plan types

Original Medicare Parts A and B are intended to cover only a portion of your healthcare costs and do not include coverage for prescription drugs. You can buy a Part C (Medicare Advantage plan), Part D (Medicare prescription drug plan) and/or Medicare supplement plan to help with the costs Original Medicare does not cover. Part C, also known as Medicare Advantage, covers Parts A and B and can also cover Part D all in one plan.

Part A: Original Medicare

  • Hospital care
  • Inpatient services
  • Routine nursing services
  • Skilled nursing facility care
  • Physical therapy
  • Hospital services
  • Doctor services
  • Prescription coverage
  • Additional benefits
  • Out-of-pocket Medicare costs

Part B: Original Medicare

  • Physician and outpatient services
  • Preventive care
  • X-rays and lab tests
  • Emergency room visits
  • Mental healthcare
  • Hospital services
  • Doctor services
  • Prescription coverage
  • Additional benefits
  • Out-of-pocket Medicare costs

Part C: Medicare Advantage

  • All benefits in Parts A and B
  • Option to include prescription drug coverage
  • Valuable extras such as a fitness program membership and worldwide emergency care coverage
  • Hospital services
  • Doctor services
  • Prescription coverage
  • Additional benefits
  • Out-of-pocket Medicare costs

Part D: Prescription Drug Coverage

  • Prescription drugs

GAP: Medicare Supplement Insurance

  • Coverage for most (if not all) of the costs of deductibles, copayments and coinsurance Original Medicare does not pay