Medicare Basics
The four parts of Medicare, in plain English
Medicare is broken into four main parts. Here's what each one covers — and where supplemental coverage fits in.
Part A — Hospital Insurance
Covers inpatient hospital stays, skilled nursing care, hospice, and some home health services. Usually premium-free if you paid Medicare taxes while working.
Part B — Medical Insurance
Covers doctors' services, outpatient care, medical supplies, and preventive services. Carries a monthly premium.
Part C — Medicare Advantage
Private all-in-one plans that replace Original Medicare and often bundle dental, vision, and drug coverage through a network.
Part D — Prescription Drug Coverage
Optional drug coverage offered by private companies approved by Medicare, usually with a monthly premium.
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