Building Blocks of Medicare

Option 1

Part A

Hospital

Hospital Premium $0



Deductible $1736/90 Days

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Part B

Medical

Premium: $202.90


Deductible: $283


Coinsurance: 20%



No Max Out of Pocket

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Part D

Prescription Drug

Premium: $0 - 140+/month


Copays, Coinsurance, Deductible (on most plans)

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Part D

Supplement

Has Monthly Premium


Has $28 Deductible


Picks up Part A deductible and the 20% coinsurance

Option 2

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Part C (Medicare Advantage)

Lower to $0 monthly premium


Has a Max Out of Pocket- Varies by plan


Covers additional benefits outside of Medicare (I.e. Dental, Vision, and Hearing)


HMOs, PPOs, PFFS

Date provided is for informational purposes only and is accurate as of distribution date and for 2026.

Types of Medicare Coverage

Medicare is the federal health insurance program for:


  • People who are 65+
  • Certain people with disabilities
  • People with End-Stage Renal Disease (ESRD)


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Medicare Part A (Hospital)

Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home healthcare services.

Medicare Part B (Medical)

Covers certain doctors’ services, outpatient care, medical supplies, and preventive services.

Medicare Part C (Medicare Advantage)

Also called Medicare Part C, these plans combine the benefits of Original Medicare (Part A and Part B) into a single plan with additional coverage, like dental, vision, hearing, wellness, and more. 

Medicare Supplement

Medicare Supplement, or Medigap, bridges the coverage gap left by Original Medicare (Part A and Part B) and covers costs like deductibles, copayments, and coinsurance. 

Medicare Supplement (Medigap): Works Together with Original Medicare


Medigap plans bridge the coverage gaps left by Medicare Parts A and B to help cover out-of-pocket costs like deductibles, copayments, and coinsurance. A Part D drug plan must be purchased separately.


Part C (Medicare Advantage): An Alternative to Original Medicare


Medicare Part C (Medicare Advantage) combines the benefits of Original Medicare (Parts A and B), often with additional coverage, which varies by plan. Most plans use provider networks (similar to an HMO or PPO).


Part D (Prescription Drug Plans)


Medicare Part D Prescription Drug Plans (PDP) work in tandem with Original Medicare (Part A and Part B) or Medicare Advantage plans to provide prescription drug coverage.