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Medicare is complex, and there’s a lot of useful—and some not so useful—information out there.

That’s where Medicareful comes in. We provide current, clear, and trustworthy information to help make Medicare easier to understand.

To simplify the complicated world of Medicare for you, we’ve broken it down into its four main parts, the coverage available, and a formula for determining which type to get.

What are the 4 Parts of Medicare?

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.

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 health care, durable medical equipment, and some preventive services.

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.

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.

What Optional Medicare Coverage is available to me?

Medicare provides a lot of coverage, but it doesn’t cover everything. If you need supplemental coverage, then Medicare Supplement insurance may be for you.

Medicare Supplement policies supplement Original Medicare. They can help you pay for some of the health-care costs associated with Original Medicare, including co-payments, coinsurance, and deductibles. Some policies also cover services that Original Medicare doesn’t, like medical care outside of the U.S.

Medicare Supplement policies are sold by private insurance companies and have a monthly premium. In order to qualify for them, you must have Medicare Part A and Part B.

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