Medicare Basics

Medicare is a federal health insurance program primarily for people age 65 and older, though it also covers certain younger individuals with qualifying disabilities or specific medical conditions. It's made up of 4 main parts — and understanding each one is the first step to finding the right coverage for your needs.

The 4 Main Parts

What Medicare Covers

A

Part A — Hospital Insurance

Covers inpatient hospital stays, skilled nursing facility care, and hospice. Most people qualify for Part A without paying a monthly premium.

B

Part B — Medical Insurance

Covers doctor visits, outpatient care, and preventive services. Part B has a monthly premium and works alongside Part A for more complete coverage.

C

Part C — Medicare Advantage

Bundles Part A and B coverage through a private insurance company, often with added benefits like dental, vision, and prescription drugs — all in one plan.

D

Part D — Prescription Drugs

Prescription drug coverage offered by private insurance companies approved by Medicare. Helps lower the cost of your medications with flexible plan options.

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Why Work With a Licensed Local Agent?

With so many options to navigate, choosing the right combination of coverage can feel overwhelming. That's where a licensed local agent can make all the difference. It puts someone in your corner who can explain your choices in plain language, compare plans based on your specific doctors and medications, and help you enroll with confidence — all at no cost to you.

Ready to Explore Your Options?

Give us a call or schedule a free, no-obligation consultation. We're here to help you make the best decision for your health coverage.

Your trusted partner in navigating Medicare with confidence — personalized, no-cost service from a licensed local agent.

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