What is Covered by Parts A, B, C, D of Medicare?

Blue Goose

What is Covered by Parts A, B, C, D of Medicare?

Medicare is a federal health insurance plan that's generally accessible to US residents when they reach age 65. Medicare is also broken into four parts: A, B, C, and D. Here's a quick breakdown of what's covered for each of the parts of Medicare.

Medicare Part A

Medicare Part A is one of the Original Medicare options.

It's designed to cover inpatient hospital care, as well as medically necessary home health services, skilled nursing, and hospice care. This option is for those US residents who paid Medicare taxes while working.

Medicare Part B

Part B is another of the Original Medicare plan options... but this one is optional. It also costs money. US residents who enroll in Part B pay a monthly premium, but it covers outpatient care, as well as doctor's appointments and another medical cost. Deductibles and co-pays may apply, but Plan B does cover medically necessary services.

Medicare Part C Part C is just one of the Medicare Advantage Plans in NH (and other states), so it's an "all-in-one" solution offered by private insurance companies that must be approved and contracted by Medicare. It's sometimes called an MA Plan for short. To make matters a bit more convoluted, there are also the types of Medicare Medical Advantage programs: Special Needs Plans, Preferred Provider Organization (PPO) Plans, Private Fee for Service (PFFS) Plans, Health Maintenance Organization (HMO) Plans, and Medical Savings Account (MSA) Plans.

You are probably familiar with at least some terminology for the types of programs, due to the insurance coverage you've held over the years. In general, Part C offers the same coverage as Part A and B (and often Part D as well), but Medicare Advantage Plans in Maine (and other states) may include some additional benefits that make it worth the extra monthly premium. For example, the Medicare Part C may cover things like vision care, dental, and hearing; but you must verify specific coverage benefits with the private insurance company you select.

The services for Medicare Part C are not paid for by Original Medicare.

Medicare Part D

Part D is designed as a solution for those who need a prescription drug plan. Part D is also offered by private companies that are approved by Medicare, so it involves a monthly premium, and it's also available as a Medicare Advantage Plan.

Depending on the private insurance company and your situation, you may also have options for cost and coverage. Medical Supplemental Insurance In addition to the standard Parts A, B, C, D of Medicare, there are also options for Medigap or Medicare Supplement Plans in NH (and other states). This type of plan is another way for you to pay premiums to private insurance companies to supplement the gaps in coverage like deductibles, copays, and other medical costs that are not covered. This Medicare Supplement plans in Maine (and other states) apply to US residents who are eligible for Medicare Part A and Part B.

Find Out What Medicare Options Are Best

Blue Goose offers comprehensive consulting services, so you can make the best decisions based on your individual need and those of our family.

There's often not a lot of time to make decisions that will affect your quality of life, so we work with you to quickly determine the best path forward, and then we support your decision every step of the way. Our goal is to provide the type of service that earns your trust, but also to offer solutions that support the quality of life you need and want. You are our top priority. Contact us at 207-8072272 to learn more about your options.

Source: https://bluegooseinc.blogspot.com/2019/08/what-iscovered-by-parts-b-c-d-of.html

Contact Us 500 Southborough Dr #300, South Portland, ME 04106, USA Blue Goose Inc. Blue Goose Inc.

Blue Goose Inc. Blue Goose Inc. www.Bluegoosemaine.com info@bluegoosemaine.com