Original Medicare is made up of several parts:


Medicare Part A

- Inpatient hospital stays
- Care in a skilled nursing facility
- Hospice care
- Some home health care

- No monthly premium
- Deductibles/copays (varies depending on the service)

*Example: If you were hospitalized for three days you must pay $1,316 for your Part A deductible.


Medicare Part B

Covers things like:
- Doctor visits
- Outpatient care
- Medical supplies
- Preventative services
- Mental Health services
- Ambulance services
- Laboratory tests and X-rays
- Rehabilitation services
- Home Health Care

- Monthly Premium
- Annual Deductible
- 80/20 coinsurance of Medicare approved amount

*Example: If the Doctor bill is $100, the beneficiary pays $20 or 20%.


Medicare Part C

(Also called a Medicare Advantage Plan) 

- Part A
- Part B
- Many also cover part D
- Coverage is all under one plan administered by a private insurance company.

- Monthly premium varies between private insurance company
- If it covers part D, there may be a prescription Annual Deductible
- Copays for different services

Medicare Part D

(Also called Prescription Drug Plan) 

- Medications

- Varies

*Part D Prescription Drug Plan, although part of the Medicare Program, is not offered directly through CMS - The Center for Medicare and Medicaid Services. If one wishes to enroll in Part D program, it is done through a private insurance company's approved plan.