Parts of Medicare Explained

Depending on where you start Medicare can certainly seem complex. Because of this many people fail to take the time to fully understand Medicare and likely don’t maximize the benefits.

However, YOU are here.  You are here learning and becoming informed about your options and putting yourself in a position to maximize the health benefits that you’ve worked long and hard to earn.  

This page breaks down the four parts of medicare in plain, simple to understand terms. 

Read through, become informed and take the best step from there. 

If you would rather speak with licensed medicare expert we’re here to help.  Simply fill out the form on your screen to get free information from a licensed professional. 

different parts of medicare

The 4 different Parts of Medicare Explained

Medicare Part A

Medicare Part A is the first part of medicare and covers the following:

  • Inpatient care in a hospital
  • Skilled nursing facility care
  • Inpatient care in a skilled nursing facility (not custodial or long-term care)
  • Hospice care
  • Home health care

Medicare Part A is commonly called hospital insurance because it covers hospital care weather in a hospital, nursing center, or in home care.  Part A provides coverage for a place to stay and your meals while your were to receive skilled medical services. 

Medicare Part is A is free as long as you are of age and have worked at least 10 years in the U.S.   

However, you have lived long enough that many other health expenses happen outside of hospital services.  And coverage for those additional services fall under the other parts of medicare.

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Medicare parts explained

Medicare Part B

Medicare Part B is the second part of your Medicare benefits.  It covers 2 types of services. 

  • Medically necessary outpatient services:  Services or supplies that are needed to diagnose or treat your medical conditions.
  • Preventive services:  Health care to prevent disease and illness when early treatments are most effective.

Coverage for Medicare Part B includes coverage for office visits, lab testing, preventative services, simple surgeries, ambulance rides, dialysis, chemotherapy, and more.   Although many of these services take place in a hospital they don’t fall under your Part A hospital coverage.  Part A covers inpatient services, while Part B covers outpatient services.  

It’s not always easy knowing what Part of Medicare that your needed care fall under. To find out if a specific service, test, or item is covered your can check with your doctor, health care provider, or search medicare coverage on  

Part B has a small deductible and covers up to 80% of your out patient services.  However, many preventive services are free.  There is no out of pocket maximum for the 20% patient lability for medicare part b therefore many fill this ‘gap’ with a Medigap or Medicare Supplemental Insurance policy.

Medicare Part C

Medicare Part C is the third part of medicare and is commonly known and referred to as Medicare Advantage.  

Medicare Advantage provides bundled health care plans and provide an all in one solution for health insurance.   These plans are sold by private insurance carriers that are approved and contracted with medicare.  

Original Medicare (part a & part b) provide great health care benefits however, other common health care needs are not included such as dental, vision, hearing, and prescription drug insurance.

The first two parts of Medicare are free.  All you have to do is be eligible and enroll with Medicare to receive your benefits.  Medicare advantage plans expand your benefits for the cost of a small monthly premium and your receive your services in from a local network of providers. 

Medicare Part D 

Medicare Part D is the fourth and final part of Medicare.  It provides prescription drug coverage in all common categories. 

Most of us take a growing number of prescriptions as we age.  Very few people could afford the high cost of prescription drugs if they don’t enroll in a prescription drug plan.

Medicare part d allows you to pay a small deductible for prescriptions through a private insurance plan.  Many Medicare part C plans include prescription drug coverage as well.  One way or the other the vast majority of Medicare beneficiaries opt to have prescription drug coverage. 

Speak with a Medicare Expert

Now that you’re more informed about the different parts of Medicare it’s time to turn that knowledge into action.  Fill out the form on your screen to speak with a Medicare expert that can assist you in answering any further questions. Our friendly agents are here to assist you in enrollment and customizing your health insurance coverage to meet your  unique lifestyle.  Our services are free and there’s no obligation when speaking with an agent.  

We’ve helped thousands of clients with Medicare plans.  See what we can do for you.



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understanding the 4 parts of medicare