Medicare has several parts, and understanding what each one does is the first step to choosing the coverage that fits your needs. While the program can seem complex at first, breaking it down into smaller pieces makes it much easier to understand.
Below, we’ll walk you through what each part (A, B, and C) covers and how they work together to protect your health and finances.
Start with Our Video Course
If you’re just starting your Medicare journey, our free video course is a great first step. It’s designed for people who want to understand:
The course is completely free, easy to follow, and gives you the clarity you need to move forward.
Medicare Part A is often called hospital insurance because it helps cover care you receive in a hospital or similar setting. It’s one of the two parts that make up Original Medicare.
Part A typically covers:
If you or your spouse worked and paid Medicare taxes for at least 10 years (40 quarters), you’ll likely qualify for premium-free Part A. If not, there may be a monthly premium, depending on how long you contributed to the system.
Part B helps pay for the kind of care most of us use regularly like doctor visits, outpatient tests, and preventive services. It works alongside Part A to complete your Original Medicare coverage.
Most people pay a monthly premium for Part B. For many, it’s a standard rate, but those with higher incomes may pay a bit more. If you’re not sure where you fall, we can walk you through it.
Also known as Medicare Advantage, Part C is an alternative to Original Medicare. These plans are offered by private insurance companies approved by Medicare. When you enroll in a Medicare Advantage plan, you’re still part of Medicare, your benefits are just managed through the plan instead of directly through the government.
Every Medicare Advantage plan must include all the coverage you’d get under Parts A and B. Many also offer extra features, such as:
There are several types of Medicare Advantage plans available, including:
Benefits and provider networks can vary by plan and location, which is why it’s helpful to compare your options with guidance. We are here to help you every step of the way with any questions you have, and as always, our services are 100% free of charge to you!
Choosing between Original Medicare and Medicare Advantage depends on what matters most to you; flexibility, provider access, costs, and coverage extras.
Some people value the freedom to see any provider who accepts Medicare and choose Original Medicare along with a Medigap (Supplement) plan and standalone drug coverage. Others prefer the convenience of an all-in-one Medicare Advantage plan that bundles coverage with extra benefits.
There’s no single “right” answer, and you don’t have to figure it out alone. We’re here to talk through your needs and help you decide what’s right for you. On your timeline, without pressure.
You don’t have to figure Medicare out on your own. Our licensed advisors are here to walk you through it step by step. We’ll explain what each part of Medicare covers, help you compare plan options, and make sure you understand when and how to enroll. Most importantly, we’ll help you avoid costly mistakes like missing deadlines or choosing coverage that doesn’t fit your needs.
We know Medicare can be confusing, so if you are not sure where to start and are looking for more information you can start with our “Medicare Made Easy” video series.
If you have immediate questions or would like to get started our team is here to help as well. Our help is always free, no sales pressure, and no obligation. Just honest answers and a clear path forward.
