What are Medicare Parts A, B, C and D?

Part A (Original Medicare – Hospital)
Provides coverage for hospital-related services such as:

• Inpatient hospital care, including semi-private rooms, meals, and general nursing Care in a skilled nursing facility.
• Hospice care.
• Home health care, if it is medically necessary and you are homebound.

Part B (Original Medicare – Medical)
Provides coverage for certain medical services and supplies, that are deemed medically necessary, such as:

• Services from doctors or health care providers.
• Outpatient care, including hospice care, lab tests, and X-Rays.
• Medical Equipment, including walkers, wheelchairs, and hospital beds.
• Preventative services, such as flu shots or cancer screenings.
• Home health care, including physical therapy, occupational therapy, and speech-language therapy.
• Mental health care, including therapy and counseling.
• Some prescription drugs, such as certain cancer drugs and injectible osteoporosis drugs.

Part C (Medicare Advantage)
Part C, or Medicare Advantage, is a Medicare plan from a private insurance company that is Medicare approved. Medicare Advantages plans may offer extra benefits that Original Medicare doesn’t cover.

Part D (Prescription Drug Plan)
Part D, or Prescription Drug coverage, helps beneficiaries cover the cost of prescription drugs, as well as recommended shots and vaccines.

Part D Prescription Drug plans (PDPs) are often already bundled into Medicare Advantage (Part C) plans, or offered as standalone plans when paired with Parts A and B and/or with a Medicare Supplement plan.

Medicare Supplement (Medigap)
Medicare Supplement Insurance (also known as Medigap) is a type of private health insurance that is designed to supplement Original Medicare (Parts A and B). It helps cover some of the out-of-pocket costs that Original Medicare does not cover, such as copayments, coinsurance, and deductibles.

Medicare Supplement Insurance policies are offered by private insurance companies and are standardized by the federal government. This means that each insurance company must offer the same benefits for each policy type, regardless of which company you buy from.

If you’re in Eau Claire, WI or surrounding areas, and you’re looking for a team of experienced professionals to walk you through the available Medicare supplements, then give us a call today!