Part A: Hospital Coverage
- Inpatient hospital stays and skilled nursing facility stays
- Hospice and respite care
- Home health care and religious nonmedical health care institution
Part B: Medical Coverage
- Doctor visits
- Outpatient care
- Services not covered by Part A, such as physical therapy
- Some home health care services, in some cases
- Some preventive services
- Durable medical equipment
Part C: Medicare Advantage
These plans are Medicare approved, but are offered by private insurers, like UPHP. They combine Parts A and B – and often Part D prescription drug benefits – into one plan. Medicare Advantage plans:
- Operate much like traditional health insurance you may have had through an employer.
- May also offer supplemental benefits not offered under Original Medicare, such as vision, dental, hearing and/or health and wellness programs.
- Typically have a network of providers you can see that contract with the plan to provide services.
Before you can join a Medicare Advantage plan, you must already have Medicare Parts A and B and live in the plan’s service area. Other eligibility requirements may apply.
Part D: Prescription Drug Coverage
If you have Medicare Parts A and/or B, Part D plans can be purchased separately to help cover your prescription drug costs. These plans are offered by Medicare – approved private insurers – so costs and covered drugs vary from plan to plan.
- Part D works with a Medicare supplement insurance plan, or on its own.
- You can also get Part D benefits through some Part C plans (like UPHP’s Medicare Advantage Plans).