Medicare Parts and Coverage

Medicare Part A: Hospital Insurance

Medicare Part A helps pay for care you receive in a hospital without costing you any additional premium. It covers:

• Inpatient hospital care
• Skilled nursing facilities following a hospital stay
• Hospice care
• Some home healthcare

Learn more about Medicare Part A.

Medicare Part B: Medical Insurance

Medicare Part B helps to pay for some medical services and supplies not covered by Medicare Part A. While it does require a premium, it includes preventive services to help you avoid illness and detect problems before you notice any symptoms. It covers:

• Doctor and other healthcare provider services
• Outpatient hospital care (when medically necessary)
• Some other medical services and supplies not covered by Medicare Part A (when medically necessary)

It’s important to note you can decline Part B coverage. Some people decline Part B because they already have coverage through their employer. If you don’t have insurance and decline Part B, you can enroll at a later date. However, your monthly premium might increase if you go past your Initial Enrollment Period.

Learn more about Medicare Part B.

Medicare Part C: Medicare Advantage

Medicare Part C, or Medicare Advantage, combines both Medicare Part A and Medicare Part B and is offered through private insurance companies, like Medical Mutual. It usually requires a monthly premium. Enrollees must also continue to pay their Medicare Part B premium.

• Often offers additional benefits
• Sometimes includes prescription drug coverage

Learn more about Medicare Part C.

Medicare Part D: Prescription Drug Coverage

Medicare Part D is an optional prescription drug benefits plan. Part D plans are offered by private insurers and are available to anyone enrolled in Medicare Part A or B. You can join a Medicare prescription drug coverage plan in two ways; purchase a plan and add it to your Original Medicare plan or enroll in a Medicare Advantage plan that includes Part D coverage.

• Helps people on Medicare lower their prescription drug costs and protect against future drug costs
• Provides greater access to medically necessary drugs
• Some Medicare Advantage plans, including Medical Mutual plans, include Part D prescription Drug coverage for no additional costs

Learn more about Medicare Part D.

Medicare Supplement

Medicare Supplement Insurance (Medigap) is provided by private insurance companies and pays for healthcare costs that Original Medicare does not cover, like:

• Deductibles
• Copayments
• Coinsurance
• Care received while traveling outside the U.S.