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Medicare Parts

And what they cover

Original Medicare

GOVERNMENT RUN

PART A

HOSPITAL COVERAGE
Covers

Part A is your hospital coverage and covers:

  • Inpatient hospital stays
  • Skilled nursing facilities
  • Hospice care
  • Home health care
 

Costs (2022)

$0 – if you worked for 40+ quarters throughout your life

$274 per month – if you worked for 30-39 quarters

$499 per month – if you worked less than 30 quarters

Deductible – $1,556 per benefit period (2022)
The Part A benefit period begins the day you are admitted as an inpatient in a hospital. The benefit period ends when you haven’t received any inpatient hospital care for 60 days in a row.

Other Gaps

See other financial gaps not covered by Part A

Part A : Video

HOSPITAL COVERAGE

PART B

MEDICAL COVERAGE
Covers

Part B is your medical coverage

  • Doctor services (inpatient/outpatient)
  • Outpatient care
  • Labs & X-rays
  • Therapy (physical, occupational, chemo)
 

Costs (2022)

Premium 
$170.10 per month(for most people)
Costs may be higher for those with higher incomes.

Deductible
$233 per year 

Other Gaps
20% of the Medicare fee schedule
There is no limit or maximum to your 20% responsibility

Part B : Video

MEDICAL COVERAGE

Other Medicare

PRIVATE INSURANCE COMPANIES

Part C

MEDICARE ADVANTAGE

 
What is it?
Part C, most commonly known as Medicare Advantage plans, are a combination of benefits in one package. These plans are offered by private insurance companies and include:
  • Hospital coverage
  • Medical coverage
  • Prescription drug coverage (Part D)

These plans may also include:

  • Dental Coverage
  • Vision coverage
  • Hearing benefits
  • Gym membership
  • Transportation to/from doctor appointments
  • Meals while receiving care
 

Premiums
Starting at $0

Premiums range from company to company as well as where you live because Medicare Advantage plans are built around specific zip codes. Several carriers and plans have $0 premiums in certain regions while others have a slightly higher monthly premium.

Expect between $0 – $100 per month.

Cost Sharing You will have some cost sharing in the form of copays and coinsurance with your Medicare Advantage plans. These costs will vary based on the insurance company and plan you choose.

Part C : Video

MEDICARE ADVANTAGE

PART D

PRESCRIPTION DRUG PLANS
Covers
Part D covers prescription drugs and helps you save money on the medications you take to stay healthy

Premiums (2022)
The national average is $33 per month

Premiums can vary from company to company depending on your medications and where you live. Medicare Part D plans are built around specific zip codes.

Premiums may also be adjusted for those with higher incomes.

Coverage Details
Part D is notoriously complicated, which is why we have a whole page dedicated to Part D coverage details.

Learn more about Part D coverage details

Part D : Video

PERSCRIPTION DRUGS


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