Medicare Basics

Most people have heard of Medicare, but don’t know much about it. Basically, it’s a government program that provides health insurance for those 65 and over — and for people under 65 with special circumstances, like a disability.

Medicare is made up of 4 parts: A, B, C and D.

 

Part A Hospitalization

 

Part A: Hospitalization
Part A covers hospitalization,
skilled nursing facilities and other
inpatient care.

 

Part B Medical Services

 

Part B: Medical Services
Part B covers doctor visits, 
lab tests and other
outpatient services.

 

Part C Medicare Advantage

 

Part C: Medicare Advantage
Part C is also known as 
"Medicare Advantage."
These are private 
insurance plans that work
with Original Medicare.

 

Part D Prescription Drugs

 

Part D: Prescription Drugs
Part D is prescription drug
coverage, which is not
covered under Original
Medicare.

 

 

IMPORTANT: Part A & Part B alone won’t cover all your healthcare needs. In fact, approximately 20% of medical expenses plus 100% of prescription drug costs aren’t covered at all.

Fortunately, Medicare has private insurance options that can help fill the gap. They’re called Part C and Part D. And they’re available from Blue Cross and Blue Shield of Alabama.

 

Medicare Terms to Know

A quick overview of key Medicare terms

 

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