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Medicare: How it Works

Medicare Basics

When it comes to Medicare, there is a lot to consider. When should I enroll? How do I enroll? Will Original Medicare be enough coverage? What type of Medicare plan should I buy? We want to help you answer these questions so when it comes time to make your Medicare decisions, you’ll have the confidence of knowing you made the right choice for you.

Plan Types

Original Medicare Parts A and B are intended to cover only a portion of your healthcare costs and do not include coverage for prescription drugs. You can buy a Part C (Medicare Advantage plan), Part D (Medicare prescription drug plan) and/or Medicare supplement plan to help with the costs Original Medicare does not cover.

Below is a diagram to help you understand the differences between Medicare plan types. Each of the triangles represents a different part of Medicare. Part C, also known as Medicare Advantage, is a full triangle because it covers Parts A and B and can also cover Part D all in one plan.

Part A - Original Medicare

Part A:
Original
Medicare

  • Hospital care
  • Inpatient services
  • Routine nursing services
  • Skilled nursing facility care
  • Physical therapy
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Part B - Original Medicare

Part B:
Original
Medicare

  • Physician and outpatient services
  • Preventive care
  • X-rays and lab tests
  • Emergency room visits
  • Mental healthcare
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Part C - Medicare Advantage

Part C:
Medicare
Advantage

  • All benefits in Parts A and B
  • Option to include prescription drug coverage
  • Valuable extras such as a fitness program membership and worldwide emergency care coverage
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Part D - Prescription Drug Coverage

Part D:
Prescription Drug Coverage

  • Prescription drugs
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Medicare Supplement Insurance

GAP:
Medicare Supplement Insurance

  • Coverage for most (if not all) of the costs of deductibles, copayments and coinsurance Original Medicare does not pay
Learn More

Medicare Basics

When it comes to Medicare, there is a lot to consider. When should I enroll? How do I enroll? Will Original Medicare be enough coverage? What type of Medicare plan should I buy? We want to help you answer these questions so when it comes time to make your Medicare decisions, you’ll have the confidence of knowing you made the right choice for you.