Michael M Insurance Blog

Medicare Parts A, B, C and D

Apr 7, 2022 | 0 comments


Medicare is made up of 4 parts, A,B,C and D. Each letter designation represents a different area of medical coverage. It all begins with what is known as “Original Medicare,” Hospital Part A and Medical Part B.

Hospital Part A- 

Is an admitted hospital stay (Not the Emergency Room). It also covers skilled nursing care following an admitted hospital stay.

Medical Part B

Is all coverage outside of an admitted hospital stay. That coverage includes Doctor visits, Tests, Blood work etc.
In addition to Original Medicare(Parts A and B) there is also-

Medicare Part C

Medicare Advantage Plan– These are Health Insurance Plans provided by private insurance companies to help cover the cost sharing associated with Original Medicare and provide coverage for some items not covered by Original Medicare like Dental and Vision.

Medicare Part D

Prescription Drug Plan– Original Medicare does not cover prescription medications. Part D plans are provided by private insurers and some Part C Medicare Advantage Plans have Part D Drug plans embedded in them.

Frequently Asked Questions 

No, to get Part D you must sign up with a private insurance company or a Medicare Advantage Plan(Part C) that has a Part D embedded in it.

No, for most individuals that worked and paid in for over 10 years Part A will be free but Part B has a base monthly premium(2024) of $174.70 which could be higher depending upon income.

Part C is a Medicare Advantage Plan offered by private companies and supplies coverage for Parts A, B and most include Part D coverage.

If you don’t have creditable(As good or better than Medicare) Drug coverage you will incur a penalty by not having one.

Mike Miligi- Owner- Michael M Insurance Services

For over 10 years Mike has been assisting Seniors and other Medicare eligible individuals understand the ins and outs of Medicare and Medicare Health Insurance options including Medicare Advantage Plans(Part C), Medicare Supplement Plans(Medigap), Prescription Drug Plans(PartD) and Dental and Vision programs.

Mike is Licensed in 7 States and Certified with 11 Insurance Carriers and has helped thousands of individuals decide on the best course of action for their particular Health Insurance needs. Because Mike is an Independent Medicare Health Insurance Broker, he works for the client not the Insurance Carriers and is able to provide his clients with accurate and unbiased Health Insurance options.

Mike recertifies with CMS(The Centers for Medicare and Medicaid Services) annually, regularly completes Continuing Education Courses required by individual State Insurance Departments and keeps abreast of industry trends and standards to offer his clients the most up to date information available.

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