What Does Medicare Cover

Overall Coverage

Medicare is a flexible health insurance plan offered by the Centers for Medicare and Medicaid Services (CMS). It’s meant to cover various healthcare needs, hence why there are multiple parts of the program.

Some of these parts are mandatory, while others are optional. This allows consumers to pick and choose which parts of the plan they want.

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Parts of Medicare

There are four different parts of Medicare: Parts A, B, C, and D. Each part covers a different aspect of healthcare.

Part A

Part A mainly covers inpatient and hospital costs. Part A is the mandatory part of Medicare. This means that when you first sign up for Medicare, you have to sign up for Part A. Part A covers:

Inpatient hospital stays
Skilled Nursing Facility Care
Hospice Care
Some Home Health Care

Part B

Part B covers outpatient and preventive needs. While it’s technically optional, Medicare Advantage Plans and Medicare Supplement Plans require you to purchase Part B before purchasing those additional plans. Part B covers:

Some doctors’ services
Outpatient care
Medical Supplies
Preventive Services

Part C

Part C is technically not a part of Original Medicare. Part C is another name for Medicare Advantage Plans. Medicare Advantage Plans are plans offered by private insurers that offer additional options to Original Medicare. For example, Medicare does not include vision, dental, or hearing coverage. Some Medicare Advantage Plans, however, do. Coverage differs by plan.

Part D

Part D is prescription drug coverage. Part D is optional. Because medications are not covered by Parts A or B, many people choose Part D. It covers prescription drugs. You can also purchase prescription drug coverage through certain Medicare Advantage Plans.

Summary

Medicare is a comprehensive but flexible health insurance plan offered by the federal government. It has four different parts: A, B, C, and D. The four parts of Medicare cover most health expenses, including inpatient and preventive service costs. To learn more about Medicare coverage, contact us at Modern Senior Benefits today.

We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.