Parts of Medicare
There are four plans known as parts of Medicare.
Two of them are what we call “Original Medicare,” and two are insurance plans.
Medicare Part A
Part A provides Medicare beneficiaries with inpatient care coverage.
- Inpatient care in a hospital — Care you receive after being admitted to the hospital as an inpatient. The things Medicare covers include semi-private rooms, meals, general nursing, drugs as part of your inpatient treatment, and other hospital services and supplies.
- Skilled nursing facility care — Nursing and therapy care performed by, or under the supervision of professionals or technical personnel.
- Hospice care
- Home health care
Medicare Part B
Part B provides medical insurance.
- Medically required services or supplies used to diagnose or treat medical conditions
- Preventive services: Health care used to deter an illness or detect it at an early stage
Medicare Part C
You might hear Medicare Advantage referred to as Medicare Part C.
Medicare Advantage is an insurance plan offered by private companies that provide all your Part A (hospital insurance) and Part B (medical insurance) benefits by being contracted with Medicare. Also, it offers extra benefits Original Medicare does not.
Each plan has an out-of-pocket max (something Original Medicare doesn’t have) and may provide:
- Adult day-care services
- Transportation to doctor visits
- Wellness programs
- Fitness memberships
- Nutrition programs
- Over-the-counter medications coverage
- Services and supports for those with chronic conditions
The benefits offered will depend on where you live.