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Parts of Medicare

Part A Hospitalization

As long as you have worked 10 years, or for 40 quarters, you receive this part for free.  There is a deductible for most people, but PART A does not cost a person any money. The Deductible for this is $1600 in 2023.

Part B Doctors

This part covers doctor visits, procedures, treatment, etc. For most people for the 2023 year, the cost is $164.50 per month. This is taken right out of your social security check. This part of Medicare covers 80% of your medical bills. There is no maximum out of pocket.

Part C Medicare Advantage 

  • Cheaper Monthly Premium
  • Includes a drug plan
  • May include some extra benefits not tied to Medicare
  • More out of pocket costs if you see doctors
  • Can change year to year
  • May be limited on who and where you can be seen

Part D Drug Coverage

This is your drug coverage. Everyone is required to have this, or there is a penalty of 1% for each full month without credible coverage. This lasts the rest of your life.

Medicare Supplements aka Medigap

  • Easier to budget Monthly expenses
  • Can see anyone who accepts Medicare
  • Can never lose coverage unless premiums are not paid.
  • Paying very little to doctors out of pocket.
  • More expensive premiums than a Medicare Advantage
  • No drug plan included
  • Can increase yearly

Don’t hesitate, contact me for better help, Medicare can be a lot to understand.

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