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There are many parts to Medicare.
Start by getting the whole story.

Step 1: Choose which way you want to get your coverage

Medicare
Part A
Medicare
Part A

Step 1: Choose which way you want to get your coverage

Medicare Part C
(Medicare Advantage)
Step 2: Protect yourself with
supplemental coverage
Medicare
Supplement
Step 2: Make sure your
prescriptions are covered
Medicare
Part D
Step 3: Make sure your
prescriptions are covered
Medicare
Part D

Medicare Part A helps cover most inpatient hospital, skilled nursing home, home health and hospice care. There is a monthly premium for Part A, but many people will qualify for premium-free Part A*.

Medicare Part A and Part B don't cover everything.

With Medicare Advantage, Medicare Supplement or Prescription Drug Plan, you're safeguarded from more out-of-pocket costs. Here are the basics that you need to know.

Medicare Part C (Medicare Advantage) plans work in place of your Part A and Part B benefits, and usually have a monthly premium in addition to your Part B premium. Premiums and costs will vary among plans for copayments, coinsurance and deductibles, so it's important to compare plans in your area. Medicare Advantage plans also have an annual limit on your out-of-pocket costs for all medical services.

Medicare Part D Prescription Drug Coverage helps cover the cost of prescription medications. This can be a money saver and can be purchased in addition to Medicare Part A, B or Medicare Supplement Plans, giving you broader healthcare coverage.

Medicare Supplement is private insurance that supplements Medicare Parts A and B. It helps pay some of the health care costs that Medicare Parts A and B don’t pay for such as copayments, coinsurance and deductibles. Every Medigap policy follows Federal and state laws to protect you and must be identified as “Medicare Supplement Insurance.” In most states, companies can only sell you a standardized Medicare Supplement policy. Each standardized Medicare Supplement policy must offer the same basic benefits, no matter which company sells it.** This allows you to easily compare premiums and choose the plan that best fits your needs.

*If you have worked and paid Social Security taxes for at least 40 calendar quarters (10 years)
**There are Medicare Supplement insurance plans available in Texas that have new and innovative benefits as allowed under 28 TAC, 3.3306(3(K).