That’s where Mid-America Life & Health comes in. I’ve done the research for you and made reliable, accurate, and up-to-date information available to you right here. I’m also happy to explain Medicare over the phone and answer basic questions at no cost or obligation to you. You can always give me a call, toll free, at 888–341-5093.
To simplify the complicated world of Medicare for you, I’ve broken it down into its four main parts, the additional coverage available, and the two ways to get it.
The 4 Parts of Medicare: A, B, C, and D
1. Part A: Hospital Insurance – Part A is one of two parts that make up “Original Medicare”. It helps cover inpatient care in hospitals, care in skilled nursing facilities, hospice care, and some home health care.
2. Part B: Medical Insurance – Part B is the second half of “Original Medicare”. It helps cover certain services from doctors and other health care providers, outpatient care, home healthcare, durable medical equipment, and some preventive services.
Let’s pause here for a second. It’s important to note that Medicare beneficiaries can have Part A and Part B or they can have one without the other. Either way, they have “Original Medicare”. Some people get both parts A and B automatically, and others need to sign up.
3. Part C: Medicare Advantage – Part C covers all Part A and Part B benefits and services; may offer additional coverage, like vision, hearing, and dental; and may also include Medicare prescription drug coverage (most do). Medicare advantage plans are offered through Medicare-approved insurance companies. You will find a number of options that may vary based on the county in which you live.
4. Part D: Prescription Drug Coverage – Like Part C, Part D is run by Medicare-approved private insurance companies. It helps cover the cost of prescription drugs, and may help lower prescription drug costs and protect against future price increases.