Parts A & B
Original Medicare
Hospital and medical coverage provided through Medicare.
A clear place to start
Medicare Explained Simply.
New to Medicare? You’re in the right place. We’ll make Medicare easier to understand and guide you every step of the way.
The basics
What is Medicare?
Medicare can be confusing. You do not have to figure it out alone.
Medicare is federal health insurance for people 65 or older. Some people may qualify earlier because of a disability, ALS, or permanent kidney failure requiring dialysis or a transplant.
Original Medicare begins with Part A and Part B. Part A helps cover hospital care. Part B helps cover doctor visits and outpatient care. From there, you can decide how you want to receive coverage and whether you need drug or supplemental coverage.
Understand your Medicare coverage options
Start with Original Medicare, then explore the coverage choices that fit your needs.
Original Medicare
Commonly covered
- Inpatient hospital care
- Doctor visits and outpatient care
- Preventive services and screenings
- Certain medical equipment
- Limited skilled nursing and home health services
Common coverage gaps
- Most routine dental care
- Routine vision and hearing care
- Most long-term custodial care
- Most healthcare outside the United States
- Deductibles and coinsurance
Original Medicare generally lets you visit any doctor or hospital in the United States that accepts Medicare. In most cases, you do not need a referral to see a specialist or prior authorization for covered services and supplies.
Coverage depends on Medicare rules and medical necessity. Specific costs and services can change.
Other coverage that pairs with thisPart C
Medicare Advantage
A private plan that provides your Part A and Part B benefits.
Medicare Advantage
A private Part C plan that provides Part A and Part B benefits. Many plans include prescription coverage and may include additional benefits.
- Plan networks and service areas matter
- Benefits and costs vary by plan and location
- One plan may combine medical and drug coverage
Medigap
Medicare Supplement
Optional coverage that works alongside Original Medicare.
Medicare Supplement
A Medicare Supplement policy helps pay certain out-of-pocket costs, such as deductibles and coinsurance, under Original Medicare. It does not replace Parts A and B and cannot be used to pay Medicare Advantage costs. Prescription drug coverage is separate.
Other coverage that pairs with thisPart D
Prescription Drug Coverage
Coverage for prescription medications through a private plan.
Prescription Drug Coverage
Standalone Part D plans can pair with Original Medicare. Many Medicare Advantage plans include drug coverage. Covered drugs, pharmacy networks and costs vary by plan; review your prescriptions before choosing.
Other coverage that pairs with thisHave questions? Our Licensed Sales Agents are here to help you make sense of it all.
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Complete Your Coverage
Planning Beyond Medicare: Your Next Steps in Retirement.
Hospital Indemnity
Already on Medicare Advantage and looking to cover out-of-pocket costs? Consider a hospital indemnity plan.
Book an appointmentFinal Expense / Life
Want a small life insurance policy to pass dollars to your heirs for final expenses? Ask about our guaranteed-issue and simplified-issue options.
Book an appointmentIn-Retirement / Rollover
Now that you’re in retirement, get 401(k) rollover assistance and guaranteed investment options. Speak with an in-retirement specialist.
Book an appointmentLong-Term Care
As we age, many of us need help at home or in a facility. Find out how you may qualify for long-term care coverage.
Book an appointmentPrefer to learn live?
Join an upcoming Medicare Educational Event:
Join us each month online or in person as we explain Medicare in simple terms and make time for your questions.
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View All EventsA clearer way forward
Learn. Compare. Enroll with confidence.
Take Medicare one decision at a time. We are here to guide you every step of the way.
- 1
Learn
Understand the parts of Medicare and identify the coverage decisions ahead.
- 2
Compare
Review plans around your doctors, prescriptions, budget, travel needs, and priorities.
- 3
Enroll
Choose your next step with clear guidance and support beyond enrollment.
Medicare questions
Clear answers to common Medicare questions
Original Medicare is provided by the federal government through Parts A and B. Medicare Advantage plans are offered by private insurers and provide Part A and Part B benefits through the plan, often with network rules and potentially additional benefits.
Ready to find the Medicare plan for you?
Understanding Medicare is the first step. Next, we can help you compare plans and find coverage that fits your needs, life, and budget.
Call today: (877) 255-6273TTY: 711