The Basics of Medicare
Medicare parts A and B, otherwise known as Original Medicare, are excellent ways to insure health care and at least partial coverage, but they don't always fit the needs of every individual. Medicare parts C and D were created in order to provide people with new and different coverage options, in case they preferred to go through an independent insurance provider, or would not be adequately covered by Original Medicare.
Medicare Part A:
Hospitalizations and inpatient services are often covered by Medicare Part A, and the premiums are often free, as long as the individual is over 65, has been officially disabled for two years, and as long as they or their spouse have been working for at least ten years. If neither the individual nor their spouse have worked for ten years, then they may have to pay a premium in order to receive Medicare Part A.
Medicare Part B:
While some preventative care, such as annual exams, is not covered by Medicare Part B, it does cover medically necessary doctor visits and outpatient procedures and medical needs. Unlike Medicare Part A, most people will have to pay a premium in order to receive Medicare Part B.
Medicare Part C:
While Medicare Part C is always purchased through independent insurance companies, it must legally cover at least as much as Original Medicare. Often, it covers Medicare Part D, as well.
Medicare Part D:
Medicare Part D was created to insure that an individual would have coverage when purchasing medication. It must be purchased through an independent insurance company, and can be part of a Medicare Part C insurance package, or purchased just for the purpose of medication coverage.