Let Us Help You Navigate Medicare

Whether you're turning 65 or just need a refresher, this quick video breaks down everything you need to know — from Parts A, B, C, and D to Medicare Advantage vs. Supplement plans. No jargon, no confusion — just clear, simple answers to help you feel confident about your options.

Watch now and take the first step toward finding the right coverage for you!

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What Is Original Medicare?

Original Medicare is the traditional government-run health insurance program for people 65 and older, and for some individuals under 65 with qualifying disabilities or certain conditions (like End-Stage Renal Disease or ALS).

It’s made up of two parts:

  • Part A: Hospital Insurance
  • Part B: Medical Insurance

Original Medicare allows you to see any doctor or hospital that accepts Medicare nationwide — no networks or referrals needed.

What Does Each Part of Medicare Cover?

Part A – Hospital Insurance

  • Inpatient hospital stays
  • Skilled nursing facility care (after a qualifying hospital stay)
  • Hospice care
  • Some home health care
Most people don’t pay a premium for Part A if they or a spouse paid Medicare taxes while working.

Part B – Medical Insurance

  • Doctor visits
  • Outpatient services
  • Lab tests, X-rays, and diagnostic screenings
  • Preventive care (like flu shots and cancer screenings)
  • Durable medical equipment (like wheelchairs or walkers)
  • Mental health services (outpatient)
Part B requires a monthly premium and includes an annual deductible and 20% coinsurance on most services.

Part C – Medicare Advantage

  • Offered by private insurance companies
  • Includes everything in Parts A and B
  • Usually includes Part D (prescription drugs)
  • Often includes extra benefits like:
  • Dental, vision, hearing
  • Gym memberships
  • Over-the-counter allowances
Must use a network of providers (HMO or PPO), depending on the plan.

Part D – Prescription Drug Coverage

  • Covers outpatient prescription drugs
  • Offered through private insurance companies
  • Available as:
  • A standalone plan (for Original Medicare)
  • Or bundled in a Medicare Advantage plan
Each plan has its own formulary (drug list), premiums, and cost-sharing.


What Medicare Doesn’t Cover

While Medicare provides broad coverage, it doesn’t include everything.


Services like routine dental, vision, hearing aids, long-term care, most prescription drugs, and care outside the U.S. are typically not covered.


Many people choose to add supplemental plans to help cover these gaps

Option 1: Original Medicare Only


  • You’re covered for hospital and medical services only
  • Add Part D if you want drug coverage
  • No cap on out-of-pocket costs
  • Have to pay 20% co-insurance on all Part A and B services

Option 2: Medicare Advantage (Part C)


  • All-in-one plan from a private insurer
  • Usually includes drug coverage (Part D)
  • May include extras like dental and vision
  • You must use a provider network
  • Has a yearly maximum out-of-pocket limit
  • Subject to copays


Option 3: Medicare Supplement (Medigap)


  • Helps pay the remaining 20% left over on your Part A and B services
  • Works with Original Medicare, not with Medicare Advantage
  • You can see any doctor that takes Medicare
  • Doesn’t include prescription drug coverage (add Part D separately)


How to Decide What’s Right for You

Choosing the right Medicare path depends on:

  • Your health and medications
  • Your preferred doctors and hospitals
  • Your travel needs
  • Your budget for monthly premiums vs. out-of-pocket costs

Talking to a licensed Medicare agent can help you compare options side-by-side and avoid costly mistakes.