How many parts are there in the Medicare program?

The Medicare program consists of four distinct parts, which are designed to provide varying levels of health coverage for eligible individuals, primarily those aged 65 and older, as well as some younger individuals with disabilities.

Part A covers hospital insurance, which includes inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care. This part is generally premium-free for most beneficiaries because they or their spouse have paid Medicare taxes while working.

Part B is medical insurance that covers outpatient care, preventive services, and some doctor services. Beneficiaries typically pay a monthly premium for this coverage.

Part C, also known as Medicare Advantage, offers an alternative way to receive Medicare benefits through private insurance plans that include coverage from both Part A and Part B. Many Medicare Advantage plans also provide additional benefits, such as vision and dental coverage.

Part D provides prescription drug coverage, which beneficiaries can purchase to help lower their medication costs.

Understanding these four parts clarifies how Medicare works and what services and protections are available to enrollees. Each part targets a specific area of healthcare, ensuring comprehensive coverage that addresses various healthcare needs.