Medicare notice and stethoscope

Original Medicare

Original Medicare has two parts — Part A and Part B. Medicare Part A is offered at no cost to most people eligible for Medicare. Medicare Part B is available for a monthly premium to most people eligible for Medicare. Medicare premiums, deductibles and cost-sharing amounts are set by the federal government each fall for the next year.

Female technician with a senior female at a hospital

Part A: Hospital Coverage

Medicare Part A help pays for inpatient hospital stays, care in a skilled nursing facility, home health care and hospice care. You pay your deductible and coinsurance.

Male doctor and a male senior

Part B: Medical Coverage

Medicare Part B covers doctors’ services and tests, outpatient care, durable medical equipment and some medical services and supplies not covered by Medicare Part A. Part B also covers some preventive services.

Female technician with a senior female

Part D: Prescription Drug Plans

Medicare works with health plans and other private companies to offer prescription drug coverage. These Medicare-approved plans are called stand-alone Part D plans.

Medicare Supplement (Medigap)

Medigap plans are sold by private health coverage companies. They help pay for some of the health care costs or “gaps” that Medicare Part A and Part B don’t cover. In most cases, you must have both Medicare Part A and Part B to purchase a Medigap policy.

Medicare Advantage Logo

Medicare Advantage

With a Medicare Advantage plan you get Medicare Part A and Part B benefits and some plans may offer extra benefits. Some Medicare Advantage plans also include prescription drug coverage in one plan. Like all Medicare plans, benefits, premiums and co-payments may change from year to year.

Medicare Plan Shopper's Guide

If you are new to Medicare, you might like to start with our Medicare Plan Shopper's Guide. Our Medicare Plan Shopper's Guide can help you understand Medicare: how it works, what it covers -and what it doesn't. You will also find helpful information about the range of options available to people who are eligible for Medicare or you can contact us at 888-485-8260. We're happy to discuss plan options with you or schedule a one-on-one appointment with a Medicare consultant in your area.

How Medicare Works Video

How Medicare Works

Whether you are new to Medicare or want a refresher, this guide will help you understand the costs, benefits and choices offered by the country’s largest health insurance program.

Taking the Mystery out of Medicare



S6506_101016_B01 CMS Approved 11/03/2016
H0302_804_2016 CMS Accepted 04/27/2016
Last Updated: November 4, 2016