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Plan types

Original Medicare

There are four parts of Medicare – Parts A, B, C and D. Parts A and B are offered by the federal government, and are often referred to as Original Medicare. Parts C and D are offered by private insurance companies.

Medicare Part A

  • Hospital services
  • Doctor services
  • Prescription coverage
  • Additional benefits
  • Out-of-pocket Medicare costs

Part A helps pay for hospital care. Part A provides coverage for inpatient services – such as room and board, routine nursing services, physical therapy and more. It also provides benefits for skilled nursing care in a rehabilitation facility and home healthcare.

Medicare Part B

  • Hospital services
  • Doctor services
  • Prescription coverage
  • Additional benefits
  • Out-of-pocket Medicare costs

Part B helps pay for physician and outpatient services. Part B provides coverage for medical services including doctor visits, preventive care, X-rays and lab tests, emergency room visits, mental healthcare and many other medical services.

Note: Part B is optional, but is required by the government to access Medicare drug coverage and other types of additional coverage, such as Medicare Advantage and Medicare supplement insurance plans.