What are the Different Parts of Medicare - Medicare Parts Explained

This handy chart lets you see your options, costs, benefits and more.

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Plan type

advantage

Medicare Advantage

Private healthcare

Includes the same Part A and Part B benefits as Original Medicare, but many plans offer additional benefits
original

Original Medicare

Federally funded healthcare

You’re eligible when you turn 65. Some people under 65 are eligible due to certain disabilities
supplemental

Medicare Supplement

Private healthcare

Also known as Medigap, this helps cover some of the costs not included in your Original Medicare coverage
prescription drug coverage

Prescription Drug Coverage

Private drug coverage

Helps you lower the cost of your prescription drugs. Available through a stand-alone plan with Original Medicare or through some Medicare Advantage plans that include drug coverage.

Typical monthly cost

From $0 per month.
Most people must still pay the monthly Part B premium
If you receive premium-free Part A, your Part B premium will be $170.10 per month, or higher based on income From $77 to $450 per month, Monthly premiums vary based on the plan Average monthly premium in 2022 is $43

Out-of-pocket costs

You pay a deductible, coinsurance and copays, the amount you pay varies by plan After you've paid your yearly deductible, you typically pay 20% of the Medicare-approved amount Helps cover some of the costs not included in your Original Medicare coverage, like deductibles, copayments and coinsurance You pay a deductible, coinsurance and copays. The amount you pay varies by plan.

Limited and unlimited costs

Annual out-of-pocket costs are limited - the amount varies by plan There is no dollar limit on your out-of-pocket costs Some plans have annual out-of-pocket limits Costs are not fully limited. When you reach your catastrophic limit, you pay a percentage of the costs

Accessing doctors

You’re often restricted to doctors and hospitals in the plan’s network with limited exceptions You can visit any doctor or healthcare provider that accepts Medicare You can visit any doctor or healthcare provider that accepts Medicare Not applicable

Prescription drugs

Most plans include some prescription drug coverage Prescription drugs are generally not included.
You would need to enroll in a stand-alone Prescription Drug Plan.
Not included. You would need to enroll in a separate, stand-alone Prescription Drug Plan Available through a stand-alone PDP with Original Medicare or through some Medicare Advantage plans that include drug coverage.

Specialist referrals

You may need a referral to see a specialist. You'll pay more to see one outside of the provider's network. No need for referrals: you can see any specialist that accepts Medicare You can see any specialist that accepts Medicare Not applicable

Travel

Generally you are covered in the plan’s service with limited exceptions You are covered in any state as long as you visit a provider that accepts Medicare Covered in any state and some plans will cover you for foreign travel emergency (up to plan limits) Not applicable

Additional benefits

Most plans include dental, hearing and vision No additional benefits Not applicable Not applicable

Penalties

There are no penalties with a Medicare Advantage plan, but you must sign up to Original Medicare Part B when you first become eligible. There can be penalties if you don’t sign up when you’re first eligible You may be charged more or have coverage turned down if you don't buy a plan when you first become eligible You may have to pay a late enrollment penalty if you don't enroll when you first become eligible

Good to know

You need to enroll in Original Medicare before you can enroll in Medicare Advantage Includes Part A (hospital) and Part B (medical), you need to enroll in Original Medicare to access any other option There are 10 standardized plan types available in most states. Each plan type provides a different level of coverage This coverage is also called Medicare Part D, and can be paired with Original Medicare and is usually included as part of a Medicare Advantage plan

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    Medicare Benefits Solutions is a non-government website. This is a solicitation for insurance. By submitting information on this site, I am providing my written consent for Medicare Benefits Solutions, herein after referred to as “Medicare Benefits”, which is a brand operated by HealthCompare Insurance Services Inc., its sales agents, or affiliates to contact me (even if I’m on a state or national do not call registry) at the phone number or email address listed to provide me with quotes or information about Medicare Advantage, Medicare Supplement, and Medicare Part D plans. I further consent to such calls or texts sent via autodialer, automated technology, prerecorded message and/or artificial voice. I understand my consent is not a condition of purchase and that I can revoke my consent at any time via medicarebenefits.com/about-us/contact-us. Additional charges may apply to SMS, call, or Internet usage depending on your data providers.

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