Learn about the differences of Medicare Parts : Part A, Part B, Part C and Part D

Medicare Parts : Part A

• There are no premiums
• There are deductibles and copayments
• Deductible for 2016 is $1,288
• Coinsurance for hospital days 61-90 ($322 in 2016)
• Coinsurance for each day 91-150 ($644 in 2016)
• Cost of 365 extra hospital days in your lifetime, once you’ve used all Medicare hospital benefits
• Hospice care coinsurance or copayment

Part B

• Requires monthly premium,
• All coinsurance and copayment amounts after you meet the $166 (in 2016) yearly deductible for Medicare Parts B
• 100% of coinsurance for Part B covered preventive services
• The first three pints of blood
• Covers: Physician Services, Outpatient Services, Durable Medical Equipment

Part C

• Medicare Advantage Plans (PPO’s, HMO’s)
• Combines Part A and B
• Provided by Private Companies (approved by CMS)
• Costs and Coverage’s vary by Company
• Plans are Approved by CMS

Part D

• Prescription Drug Coverage
• Separate Premium
• May be included in Medicare Advantage Plans (typically HMO’s and PPO’s)

If you have any questions, please contact Mitch Winstead   Toll-Free 910-452-1922 or 910-538-4547. Our advice is free and you have no obligations.

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