If Medicare feels like alphabet soup, you’re not alone. The four parts—A, B, C, and D—confuse millions every year. Let’s clear the fog.
Part A is hospital insurance. Think of it as your safety net when you need inpatient care, skilled nursing, or hospice.
It’s premium-free for most people, but hospital deductibles and coinsurance add up fast. Don’t be fooled by “free.”
Part B, medical insurance, covers doctor visits, tests, outpatient procedures, and preventive services. It’s essential, but the premiums sting.
Miss the Part B enrollment window, and the government will fine you—forever. Timing matters.
Part C, or Medicare Advantage, is the private insurance version of Medicare. It’s popular because it combines A and B, often with D, plus extras.
Want dental, vision, or hearing care? Advantage plans are usually your best shot.
The real perk: Advantage plans cap your out-of-pocket spending. Original Medicare doesn’t.
But here’s the catch: you’re limited to provider networks. Traveling? You might be out of luck.
Part D is all about prescription drugs. It can save you thousands if you’re on medication.
But each plan has its own drug list. Fail to check it, and you could be stuck with massive bills.
The infamous “donut hole” has been shrinking. In 2025, you’ll pay less out-of-pocket, but vigilance is still key.
Pair Original Medicare with Part D and Medigap, and you’ll cover almost every gap—at a price.
Medigap is especially useful for people who want nationwide coverage without surprise bills.
The big question: stick with Original Medicare, or go Advantage? The answer depends on your lifestyle and health.
If you want flexibility, Original Medicare wins. If you want extra benefits and lower risk, Advantage shines.
Every year, you get a do-over during Open Enrollment. Use it.
Compare, check your medications, and confirm your doctors are covered. That’s how you save.
Skipping these steps costs people thousands annually. Don’t be one of them.
Master the ABCDs of Medicare, and you’ll master your healthcare costs.
