What is the Difference Between Medicare Part C and D?

It's Important to understand the differences between Medicare Parts A, B, C and D. There are 4 parts of Medicare. Each one has a different function and covers different medical care costs.

First, you should know Parts A and B are called original Medicare and are run by the government. Part A helps with hospital costs. From rooms, to nurse care, and some cost associated with home health care and hospice. Part B is associated with medical costs like doctor visits, flu shots, and outpatient needs. Part C and D are both private Insurance choices. These plans are approved and regulated by Medicare.

So what is the difference between Medicare Part C and D? Part C is an Advantage plan often selected by individuals looking to have help paying for hospital, medical costs and more. Part C Advantage plans cover everything Parts A and B cover but help those on a budget put a limit on what they must spend on medical out-of-pocket costs in a given year. Often these plans can cover costs associated with dental preventive care, hearing and even vision costs. This is where original Medicare has gaps in coverage.

The difference between Medicare part C and D is that Part C Advantage plans give you health coverage and may also cover prescription drugs, providing you more coverage than original Medicare can. Part D only covers drugs. Part D not only covers generic drugs, but also many brand name prescriptions. Some Part D prescription plans cover more prescriptions than others. Again, both Medicare Part C and D are sold by private insurance companies.

If you are navigating the Part C Medicare Advantage options alone and find your choices overwhelming, we are here to assist you in making the right decisions for your pocket book. What is right for your neighbor may not be right for you. We are happy to sit down and help you navigate Medicare Advantage and help you understand what the differences are between Medicare Part C and D.

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