Medicare Explained
Understanding your Medicare coverage is the first step toward a secure retirement. We break down the four main parts of Medicare into clear, actionable guidance for those turning 65 or living on a fixed income.
Part A: Hospital Insurance
Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health services. It is typically premium-free if you or your spouse worked at least 10 years and paid Medicare taxes.
Part B: Medical Insurance
Part B covers outpatient services like doctor visits, preventive care, and medical supplies. It is a monthly premium plan that pays a percentage of the cost of your medical services after a deductible is met.
Part C: Medicare Advantage
Part C is an alternative to Original Medicare. It is offered by private insurance companies approved by Medicare and includes Part A and Part B, often adding prescription drug coverage and extra benefits.
Part D: Prescription Drug Coverage
Part D covers prescription drugs and is available through standalone plans or as an add-on to Medicare Advantage. It helps you manage the cost of medications you rely on for your health and daily living.
Plan Comparisons
Comprehensive coverage for what Original Medicare doesn't provide.
Medicare Supplement
Essential coverage for out-of-pocket costs. We help you select the right plan to cover your gaps in hospital and medical coverage.
- Major medical coverage
- Prescription drug coverage
- Out-of-pocket maximums
Medicare Advantage
Comprehensive plans that include Medicare Part A and B, plus additional benefits like dental and vision. We help you find the best fit for your lifestyle.
- Part A and Part B coverage
- Extra benefits (dental, vision)
- Network restrictions