Understanding Medicare Parts A to D

COVERS
Hospital care costs.

THE BASICS
Part of Traditional Medicare run by the U.S. government.

YOU SHOULD KNOW
It's free at 65 if you or your spouse have worked (and paid taxes) for 10 years.*

COVERS
Outpatient & doctor visits.

THE BASICS
Part of Traditional Medicare run by the U.S. government.

YOU SHOULD KNOW
It's not free. Monthly premiums are set annually. You also might have a co-pay.

COVERS
Hospital & physician costs.

THE BASICS
Also known as Medicare Advantage offered by private insurance companies.

YOU SHOULD KNOW
Most plans have an out-of-pocket max. They also may cover dental, hearing, and vision costs.

COVERS
Prescription costs.

THE BASICS
Can be added to Traditional Medicare (A+B) or Medicare Advantage (C).

YOU SHOULD KNOW
Costs will vary depending on the plan you choose and prescriptions you need.

COVERS
Out-of-pocket costs, such as co-pays and deductibles.

THE BASICS
Can be added to Traditional Medicare (A+B) but not Medicare Advantage (C).

YOU SHOULD KNOW
You can get Medigap later, but you might pay more for services.