Original Medicare
Part A – Hospital Insurance
Helps cover:
- Inpatient care in hospitals
- Skilled nursing facility care
- Hospice care
- Home health care
Part B – Medical Insurance
Helps cover:
- Services from doctors and other health care providers
- Outpatient care
- Home health care
- Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment and supplies)
- Many preventive services (like screenings, shots, and yearly “wellness” visits)
OPTIONAL: Part D – Prescription Drug Coverage
Helps cover:
- Cost of prescription drugs
Part D plans are run by private insurance companies but are required to follow rules set by Medicare.
YOU CAN ADD: Supplemental Coverage
Examples: Coverage from a Medicare Supplement Insurance/Medigap which provides services from any doctor any hospital anywhere in the United States that accepts medicare or coverage from a former employer or union.
Medicare Advantage
Part A – Hospital Insurance
Helps cover:
- Inpatient care in hospitals
- Skilled nursing facility care
- Hospice care
- Home health care
Part B – Medical Insurance
Helps cover:
- Services from doctors and other health care providers
- Outpatient care
- Home health care
- Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment and supplies)
- Many preventive services (like screenings, shots, and yearly “wellness” visits)
USUALLY EMBEDDED: Part D – Prescription Drug Coverage
Helps cover:
- Cost of prescription drugs
MAY ALSO INCLUDE: Additional Benefits
These plans may also include additional benefits such as vision, dental, or hearing.
MAY ALSO INCLUDE: Lower Out-of-Pocket Costs
Some Medicare Advantage plans may also include lower out-of-pocket costs. Beneficiary must reside in the area or county where services are provided.
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