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Medicare is health insurance for people age 65 or older, people with certain disabilities under the age of 65 and people of any age with End-Stage Renal Disease. Medicare is broken down into 4 parts: Part A, Part B, Part C, and Part D.

Part A: available premium free for all eligible individuals. Part A covers costs associated with inpatient hospital stays, skilled nursing facility stays, home health care, psychiatric inpatient care, and hospice care. Part A is run by the federal government.

Part B: is the medical insurance portion of Medicare. Part B is financed through monthly premiums paid by enrollees. Part B covers physician and surgeon fees, outpatient services, blood service, ambulance service, clinical laboratory services, and more.

Part C: Part C, or Medicare Advantage, is an optional policy beneficiaries can enroll in. Medicare Advantage plans are offered by a private company that contracts with Medicare to provide you with all your Medicare Part A and Part B benefits. Part C is an alternative to Part A and Part B and in order to enroll in a Medicare Advantage Plan, you must be entitled to Part A and enrolled in Part B. Part C offers extra benefits that Part A and Part B do not cover.

Part D: Part D is Medicare prescription drug coverage. Part D plans are offered by insurance companies and other private companies approved by Medicare. Medicare prescription drug coverage provides protection for people who have very high drug costs or from unexpected prescription drug bills in the future.