Understanding Medicare: A Complete Guide to Making the Right Health Care Decisions
Medicare is an essential health insurance program in the United States, offering critical coverage to individuals over age 65, and to younger individuals who have qualifying disabilities. Yet, due to its many components and different types of coverage, Medicare can be complicated. Learning how to navigate it takes the first step in making informed and confident health care choices.
The Four Parts of Medicare
Medicare is structured into four major components, each with a distinct function:
Part A
Includes coverage for hospitalization, skilled nursing facilities, and inpatient care.
Part B
Has coverage for outpatient services, physician visits, and preventive care.
Part C (Medicare Advantage)
Integrates Parts A and B, frequently with additional benefits such as dental, vision, or wellness programs.
Part D
Has coverage for prescription drugs.