Parts of Medicare

Original Medicare (Parts A and B)

Part A - Hospital Insurance

Part A helps cover:

Inpatient care in hospitals
Skilled nursing facility care
Hospice care
Home health care.

Part B - Medical Insurance

Part B helps cover:

Services from doctors and other health care providers
Outpatient care
Home health care
Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment)
Many preventive services (like screenings, shots or vaccines, and yearly “Wellness” visits)

Original Medicare

Original Medicare includes Part A and Part B.
You can join a separate Medicare drug plan to get Medicare drug coverage (Part D).
You can use any doctor or hospital that takes Medicare, anywhere in the U.S.
You can also shop for and buy supplemental coverage that helps pay your out-of-pocket costs (like your 20%
coinsurance).

Part D - Drug Plans

Part D helps cover the cost of prescription drugs (including many recommended shots or vaccines).
You join a Medicare drug plan in addition to Original Medicare.
Or, you get drug coverage by joining a Medicare Advantage Plan with drug coverage.
Plans that offer Medicare drug coverage are run by private insurance companies that follow rules set by Medicare.

Your Medicare Plan Options

Medicare Supplemental Insurance (Medigap)

Extra insurance you can buy from a private company that helps pay your share of costs in Original Medicare.
Policies are standardized, and in most states named by letters, like Plan G or Plan K.
The benefits in each lettered plan are the same, no matter which insurance company sells it.

Part C - Medicare Advantage Plans

Medicare Advantage is a Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage. These “bundled” plans include Part A, Part B, and usually Part D.
In many cases, you can only use doctors who are in the plan’s
network.
Plans often have different out-of-pocket costs than Original Medicare or supplemental coverage like Medigap. You may also have an additional premium.
Plans may offer some extra benefits that Original Medicare doesn’t.

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Medicare Information Disclaimer

The information on this page is sourced from publicly available materials published by the Centers for Medicare & Medicaid Services (CMS) at Medicare.gov and is provided for general informational purposes only.

Specifically, content has been reproduced from:
https://www.medicare.gov/basics/get-started-with-medicare/medicare-basics/parts-of-medicare

Ian Ekdahl and Ekdahl Insurance Agency LLC, are not affiliated with, endorsed by, or sponsored by the United States government, the Centers for Medicare & Medicaid Services, or Medicare.

While we strive to provide accurate and up-to-date information, Medicare rules, benefits, and costs may change at any time. The content presented here may not reflect the most current Medicare regulations or plan details. For official and up-to-date information, please visit Medicare.gov or contact 1-800-MEDICARE (1-800-633-4227).

This information is not a complete description of benefits and does not constitute legal, tax, or financial advice. Individuals should consult the official Medicare website and speak with a licensed professional regarding their specific situation.

Reliance on any information provided on this page is at your own risk. Ekdahl Insurance Agency LLC makes no representations or warranties, express or implied, regarding the completeness, accuracy, or timeliness of the information.