Skip to content
Proudly serving Florida, Georgia, Texas & Virginia · 754-779-1189
Peacefully Insured Services logo
Back to Learning Center
Medicare7 min read

Medicare Parts A, B, C and D Explained

By Laurence Paolino, RN

Medicare is divided into parts, and each one covers different things. Here is a plain-language overview.

Part A — Hospital insurance

Part A generally helps cover inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Many people do not pay a monthly premium for Part A if they or a spouse worked and paid Medicare taxes long enough.

Part B — Medical insurance

Part B generally helps cover doctor visits, outpatient care, preventive services, and some medical equipment. Part B has a monthly premium, and costs such as deductibles and coinsurance may apply.

Part C — Medicare Advantage

Medicare Advantage plans are offered by private insurance companies approved by Medicare. They combine Part A and Part B coverage and often include Part D drug coverage. Plans may have networks and different cost-sharing rules.

Part D — Prescription drug coverage

Part D plans help cover prescription medications. Each plan has its own list of covered drugs, called a formulary, so it is helpful to review your medications when comparing.

Key takeaway: Knowing what each part does makes it easier to understand how your options fit together.
Back to Learning Center
A grandmother and granddaughter sharing a joyful hug in a sunlit garden

Start with a conversation

Have questions about this topic?

You do not have to navigate Medicare, life insurance, or health coverage alone. Let’s talk about your needs and explore your options together.

Call Laurence

Virtual, phone, and in-person meetings by arrangement.

CallEmail