Medicare Made Simple: Parts A, B & D
Part A – Hospital Insurance
Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health services.
Usually no monthly premium if you or your spouse paid Medicare taxes while working.
Part B – Medical Insurance
Covers doctor visits, outpatient care, preventive services, and some home health care.
Requires a monthly premium and helps pay for medically necessary services.
Part D – Prescription Drug Coverage
Helps cover the cost of prescription medications through private plans approved by Medicare.
Optional but highly recommended to avoid penalties and high drug costs.
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