What is Original Medicare?

Original Medicare is the United States’ federal health insurance program for people who are 65 or older. It is also available for certain people younger than 65 with disabilities or people with End-Stage Renal Disease. There are several parts to Medicare that contain different coverage.

What is Part A?

Medicare Part A covers inpatient hospital care, skilled nursing, hospice, surgery, and home healthcare. Deductibles and cost-sharing will apply. Most folks will not have to pay Part A premiums.

What is Part B?

Medicare Part B covers doctor visits, preventative, outpatient services, and lab tests. Deductible and cost-share will apply. Part A and B comprise what is known as “original medicare.”

What is Part C?

Part C, also known as Medicare Advantage, takes the original medicare and privatizes it. In other words, a Medicare Advantage plan bundles Part A, Part B, and usually Part D into one single comprehensive plan with a private carrier.

What is Part D?

Medicare Part D is also known as prescription drug coverage. Part D coverage is available as a Stand Alone Option (PDP) or as part of a Medicare Advantage plan (Part C). Part D plans are offered by private insurance companies contracted and approved by Medicare.

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What is Medicare Advantage?

Medicare Advantage, also known as Medicare Part C, is a private health insurance option for individuals eligible for Medicare. Offered by private insurance companies approved by Medicare, these plans provide an all-in-one alternative to Original Medicare (Parts A and B). Medicare Advantage plans often include additional benefits such as vision, dental, and prescription drug coverage.

While adhering to Medicare guidelines, these plans may also feature managed care elements, such as health maintenance organizations (HMOs) or preferred provider organizations (PPOs). Beneficiaries can choose a Medicare Advantage plan as an integrated approach to managing their healthcare needs, enjoying the convenience of comprehensive coverage and potential cost savings.

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We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area, and any information we provide is limited to those plans we do offer in your area. Please get in touch with Medicare.gov or 1-800-MEDICARE to get information on all your options. Health Insurance sold on
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