Your Medicare, Your Way

Hospital Insurance (Part A)

Medicare Part A helps cover hospital stays, skilled nursing care, and hospice services. If you’ve worked and paid Medicare taxes for at least 10 years, you likely qualify with no monthly premium. Coverage kicks in when you're admitted to a hospital, but there are deductibles, coinsurance, and no out-of-pocket limit—so it's important to understand what costs you may face. 

Medical Insurance (Part B)

Part B covers doctor visits, outpatient care, lab work, and other everyday medical needs. Most people pay a standard monthly premium, and after meeting the deductible, Medicare typically pays 80% of approved services. There’s no out-of-pocket limit, and penalties apply if you delay enrollment—making it important to get the timing right. 

Medicare Advantage Plans (Part C)

Medicare Advantage plans bundle Parts A and B, and many include drug coverage and extra benefits like dental and vision. These plans are offered by private insurers and typically feature low premiums, caps on out-of-pocket costs, and network-based care. Options vary by location and change yearly, so comparing plans matters. 

Prescription Drug Plans (Part D)

Part D provides coverage for prescription drugs, either as a standalone plan or as part of a Medicare Advantage plan. Costs and coverage vary by plan, and delays in enrollment may result in a lifetime penalty. Each plan follows Medicare rules and uses a tiered pricing system, so choosing the right one depends on your specific medications. 

Medicare Supplement Plans (Medigap)

Medigap plans work with Original Medicare to cover what Parts A and B don’t—like deductibles and coinsurance. With fixed premiums and no network restrictions, they offer predictable coverage and long-term peace of mind. Once enrolled, you’re covered for life, and there’s no need to reapply each year.