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How Does Medicare Work?

Medicare has four basic parts that help with health care costs. Each part provides coverage for different types of health care services.

  • Part A: Hospital insurance
  • Part B: Medical insurance
  • Part C (Medicare Advantage): Includes Parts A and B, sometimes Part D
  • Part D: Outpatient prescription drugs

Parts A and B are sometimes known as “Original Medicare.” Keep in mind that original Medicare was not designed to cover all your medical expenses.
  • Medicare Supplement insurance: This optional coverage helps to pay for expenses beyond what is covered by Medicare. There are several Medicare Supplement insurance plans, each with different benefits and premiums, so you can choose the plan that works best for your specific needs. Medicare Supplement insurance plans are identified by the separate letters A, B, C, D, F, F-HD, G, K, L, M and N. The basic benefits of each plan are exactly alike for all insurance companies.

When am I eligible for Medicare?