Medicare Parts & Plan Benefits

Part A (Hospital Insurance)

Helps cover:

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care

Part B (Medical Insurance)

Part B of Medicare helps pay for expenses associated with doctor office visits. This includes outpatient services as well as preventative services, such as testing and scans. Part B also helps pay for necessary medical equipment, ambulance services, and some types of prescriptions like injections and infusions. It also helps cover home health care.

Outpatient services include things like:

  • stitches
  • X-rays
  • casts

Preventative services include things like:

  • testing/screening for illness & cancer
  • scans
  • shots (ex: flu shot)
  • wellness exams

Examples of durable medical equipment:

  • wheelchairs
  • canes/walkers
  • chair lifts
  • CPAP machines

In 2024, the standard premium for Part B is $174.70 a month. This is an increase of nearly $10 from 2023, when the standard premium was $164.90.

You are able to see any doctor that accepts Medicare and accepts new patients. Unfortunately, some providers will not be able to take Medicare as full payment.


The following services are not covered by Medicare Part B:

  • the majority of dental care & dentures
  • regular eye exams
  • hearing aids
  • nursing home care
  • care while traveling in another country

Part D (Drug Coverage)

Part D of Medicare is a separate plan that you purchase through a Medicare-approved third party insurance carrier. It helps covers the costs associated with prescription drugs.

There are different Part D plans to choose from depending on your needs and preferences, and coverage varies with each plan.

Part D is not available if you opt for Medicare Advantage, but most Medicare Advantage plans have coverage for prescriptions built into them. Be sure to ask your agent about coverage for prescriptions if you are looking into Medicare Advantage plans.

The average premium for Medicare Part D is $34.50 according to CMS (Centers for Medicare & Medicaid Services). People with high incomes tend to pay more for Part D. However, there are plans available for as low as a few dollars a month. Keep in mind that in general the cheaper the insurance is, the less coverage you will have.

Starting in 2025 there will be an out of pocket max of $2000. This means that this is the most that you will have to pay in a year for your prescriptions. As of 2024, the out of pocket max is currently $8000.

Supplemental Coverage

Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. Medicare Supplement Insurance (Medigap) policies sold by private companies can help pay some of the remaining health care costs for covered services and supplies like copayments, coinsurance, and deductibles.


*Medicare overview sourced from


**We do not offer every plan available in your area. Currently we represent 6 organizations which offer 55 products in your area.  Please contact or 1-800-MEDICARE, or your local State Health Insurance Program to get information on all your options. 


For a complete list of available plans please contact 1-800- MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 day a week or consult

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