There are four parts of Medicare:
- Part A which pays for hospital care.
- Part B which pays for medical care, like doctor visits.
- Part C which is also called the Medicare Advantage program.
- Part D which covers prescription medications.
You can buy Part C/Medicare Advantage coverage from private companies. Medicare Advantage plans combine Part A and Part B and may offer prescription drug coverage. The plans can also include additional benefits like eye care, hearing, wellness services and a nurse hotline.
Medicare Advantage plans are area specific, meaning you must live in the plan's service area. To apply for these plans, you must be enrolled in Part A and Part B.
Part D helps pay for prescription drugs. It is only offered through private insurance companies. Part D plans can be standalone or be part of a Medicare Advantage plan. To apply for a standalone plan, you must be enrolled in Part A and/or Part B.
If you are confused about the coverage options with Medicare and when you can make changes, give us a call at 614-889-0934.