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Benefits Overview
Medicare is our country's health insurance program for people age 65 or older, and for certain people younger than 65 who have disabilities. It has four parts. Below is a plain-English overview of what each part covers, drawn from Medicare's official pages. Use the links to read the full details or to enroll.
The summaries below are drawn from the official Medicare.gov pages linked in each section. Coverage rules, costs, and enrollment periods change — always confirm the current details at Medicare.gov or with Social Security before making a decision.
Part A helps pay for inpatient care in hospitals and critical access hospitals, and care in skilled nursing facilities. It also helps cover hospice care and some home health care.
Covers things like:
Part B helps cover medically necessary services and supplies needed to diagnose or treat a medical condition, along with preventive services to prevent illness or catch it early. Most preventive services cost $0 when you use a provider who accepts assignment.
Covers things like:
Part C isn't a separate set of benefits — it's another way to get them. Medicare Advantage plans are Medicare-approved health plans offered by private companies that contract with Medicare. You can choose one instead of Original Medicare to get your Part A and Part B benefits, and these plans usually include prescription drug coverage (Part D) too.
Covers things like:
Part D is optional coverage that helps lower the cost of prescription drugs. It's offered by Medicare-approved private insurance companies and helps pay for both brand-name and generic drugs. Medicare recommends signing up when you're first eligible to avoid a late enrollment penalty later.
Covers things like:
