Medicare Options
What is Medicare?
What are the parts of Medicare?
Medicare has four main parts – A, B, C, and D.
Medicare Part A is hospital insurance. Covering inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. It is provided by the government, usually with no monthly premium.
Medicare Part B is optional medical insurance for which you pay an additional monthly premium that usually comes out of your Social Security benefits. It covers certain doctor’s services, outpatient hospital care, diagnostic tests, ambulance, durable medical equipment, medical supplies, preventive services and other home health care services that are not covered under Medicare Part A.
Medicare Part C is also known as Medicare Advantage. When you select Part C instead of Part A and Part B, you could get the same or greater benefits – and some extras like wellness, vision, hearing and dental care and usually Part D from a Medicare Advantage plan. Medicare Advantage (MA) plans "take the place of" your Original Medicare coverage. In other words, when you join an MA plan, you become a member of that plan and no longer need to use your red, white and blue Original Medicare card. You still must pay your Medicare Part B premium; however, your MA plan becomes your primary insurer.
When you become 65 and you do not enroll in any other type of plan, you will have Original Medicare coverage (Part A and Part B). Original Medicare coverage by itself does not include prescription drug coverage.
Medicare Part D is prescription drug coverage. Everyone with Medicare can get prescription drug coverage.
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1110 Main Street
Wheeling, WV 26003-2704
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April 1 through September 30:
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