Medicare Coverage & Cost

There are 4 basic parts of Medicare:

A, B, C and D.

Each part helps pay for certain health care services. Each part also has certain costs that you may have to pay.

Your Medicare costs will depend on what coverage you choose and on what health care services you use.

The parts of Medicare are like building blocks. They can be put together in different ways to provide coverage based on your needs. Start by learning about each part, including what it covers and what the costs are. You can go further down this page to learn about the different types of costs you might have with Medicare in general.

Medicare Part A

Medicare Part A helps pay for care you receive when you are admitted as an inpatient in a hospital or skilled nursing facility. Costs may not be covered by Part A if you are in the hospital for observation.

Examples of what Part A covers.

Medicare Part B

Medicare Part B is medical insurance. It’s one part of what’s often called Original Medicare, which is administered by the federal government. Medicare Part A (hospital insurance) is the other part

Examples of what Part B covers.

Medicare Part C

Medicare Part C is also called Medicare Advantage. It’s an alternative to Original Medicare (Parts A and B 

Examples of what Part C covers.

Medicare Part D




Medicare Part D is prescription drug coverage. It helps pay for the medications your doctor prescribes.


Original Medicare (Parts A and B) does not cover prescription drugs. Many people who choose Original Medicare add a prescription drug (Part D) plan or choose a Medicare Advantage plan that includes Part D.

In general, you may enroll in a Part D plan if you are entitled to Medicare Part A or if you are enrolled in Medicare Part B. In addition, you must live in the service area of a Part D plan.

Prescription drug plans do not cover:

  • Drugs that are not on the plan’s drug list
  • Drugs that are covered under Part A or Part B
  • Drugs that are excluded by Medicare

Examples of what Part D covers.

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