UNDERSTANDING MEDICARE A, B, C, AND D

Before you go looking for Medicare prescription plans, Massachusetts, it is crucial to understand what medicare is.

Medicare is a social security policy in the United States of America. It originated as a national health insurance program for the elderly. Medicare is aimed at helping people above the age of sixty-five to meet medical and health costs. It can also be availed by younger people with permanent disabilities or permanent kidney failure.The Medicare for All Act aims to extend the benefits of medicare to men and women of all ages, including children.

Medicare is split into four parts - Part A, Part B, Part C, and Part D. Each part covers different aspects of healthcare. Choose Part D for Medicare prescription drug plans, Massachusetts.

WHAT ARE THE PARTS A, B, C, AND D OF MEDICARE

 

●      Medicare Part A covers Hospital Insurance - inpatient care during hospital stays and care in nursing facilities and hospices.

●      Medicare Part B covers Medical Insurance - outpatient care from doctors. Medical supplies and preventive services are also included.

●      Medicare Part C or Medicare Advantage Plans offered by private insurance companies that replace Part A and B for zero premium costs and/or additional costs.

●      Medicare Part D offers Prescription Drug Plans, Massachusetts.

Read further for more in-depth knowledge of the various Medicare Parts.

MEDICARE PART A

For Part A and Part B of Medicare, it is essential to understand the difference between inpatient and outpatient care.

You will be considered an 'Inpatient' only if you are admitted to a hospital formally due to a doctor's order. Emergency services or overnight stays without formal admission and doctor's orders do not make one an inpatient.

Medicare Part A or Original Medicare covers hospital stays and other inpatient care services. Walkers, wheelchairs, and at-home care (if you cannot find a hospital or nursing facility) are also covered. The cost of blood is taken care of in the case of blood transfusions.

MEDICARE PART B

Medicare Part B, like Medicare Part A, comes under Original Medicare. It covers general health care services, doctors' visits, and tests.

Part A and Part B are used together for comprehensive health care coverage.

Even if you are an inpatient, the doctor's services will be covered by Part B, while Part A will take care of the hospital's staying charges and any required prescriptions during your hospital stay.

Part B broadly covers ambulance and emergency services, tests (for cancer, diabetes, and depression), vaccinations (for influenza and hepatitis), ECGs, and some medical equipment and drugs.

The vaccinations and drugs not covered by Part B can be brought under insurance with Medicare prescription plans, Massachusetts - Part D.

MEDICARE PART C

Medicare Part C or Medicare Advantage Plans are alternative plans offered by private insurance companies for zero premium costs and/or additional costs that replace Part A and B offered by Medicare.

You have to be enrolled for Medicare Part A and Part B to be eligible for Medicare Advantage Plans. Medicare Advantage coverage replaces Part A and Part B of Medicare.

It offers dental and eye coverage in addition to prescription drug coverage, along with various other benefits.

MEDICARE PART D

Medicare prescription drug plans, Massachusetts, will cover the prescription drugs not covered by the other parts.

Even after procuring the extensive Parts A, B, C, and D, Medicare, in general it will not cover the majority of eye care, dental care, and acupuncture services, nor will it cover hearing aids or cosmetic surgeries.  However some Medicare Advantage Plans will provide some of these services within the specified limits of the particular Plan.

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