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MEDICARE INFORMATION

Understanding the Parts of Medicare

Medicare can seem complicated at first because it is divided into several different parts, each covering specific types of healthcare services. Understanding what each part includes will help you make better decisions about your coverage and whether you may need additional plans. Below is a simple overview of the four main parts of Medicare and how they work together to provide your healthcare benefits.

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Your Medicare Card


Your Medicare card shows your Medicare Beneficiary Identifier (MBI), which is a unique combination of letters and numbers that replaced the old Social Security-based number. This change helps protect your identity from fraud and misuse.

 

Your card will also indicate whether you are enrolled in Medicare Part A (Hospital Insurance), Medicare Part B (Medical Insurance), or both, along with the date your coverage began. Keep your card in a safe place and treat your Medicare number like a credit card number.​​​​

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​Medicare coverage in several parts.

Part A — Hospital Insurance​

Part B — Medical Insurance​​

Part D — Prescription Drug Coverage

Part C — Medicare Advantage​​​​​​

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Medicare Part A – Hospital Insurance

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Part A helps cover inpatient hospital care, skilled nursing facility care, hospice services, and limited home health care. Many people qualify for Part A without paying a monthly premium if they have worked and paid Medicare taxes long enough.

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Medicare Part B – Medical Insurance

 

Part B covers doctor visits, outpatient care, preventive services, lab tests, medical equipment, and some home health services. Most people pay a monthly premium for Part B coverage.
 

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Medicare Part D – Prescription Drug Coverage

 

Part D helps cover the cost of prescription medications. These plans are offered by private insurance companies and help reduce the cost of many commonly prescribed drugs.

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Medicare Part C – Medicare Advantage

 

Medicare Advantage plans are offered by private insurance companies approved by Medicare. These plans provide all the benefits of Parts A and B and often include additional benefits such as dental, vision, hearing, and sometimes prescription drug coverage.

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