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Not sure what plan is right for you? Take Our Medicare Quiz

What are the Medicare Parts?

  • Part A Hospitalization Coverage: Part A covers inpatient care, skilled nursing facilities, hospice and home health care. Most people do not pay a premium for Part A as long as you have worked for over 10 years and you have paid Medicare taxes. This provides your premium-free Part A. If you have not worked for over 10 years, you can qualify for spousal benefits or pay to get Part A based on the number of quarters that you worked. 
  • Part B Medical Coverage: Part B covers doctor’s visits, preventive care, lab services, ambulance services, outpatient services, cancer therapy and kidney dialysis. There is a premium for Part B. The premium is based on your income.  
  • Part C Medicare Advantage Plans: These plans provide coverage through private insurance companies. If you get a Medicare Advantage plan, you are actually giving up Part A and Part B. The costs for Medicare Advantage plans are low to $0 premium.  
  • Part D Prescription Drug Coverage: This is optional coverage to assist you with the costs of prescription drugs

Learn More: Important dates to remember for Medicare Enrollment Periods

People Also Read: How Much Does Medicare cost?

Meet Melissa MacCalla

Medicare is not simple and can be hard, frustrating, and downright confusing for most. I love when I get someone on the phone and I am given the opportunity to explain the difference in plans to them and have Medicare make sense. I enjoy talking to clients year after year, hearing about their families growing or them asking about mine.


Senior Healthcare Solutions, you truly stand out from most other insurance agents. Thank you so much for all of your help and I know that you will have nothing but success with how you conduct business.

Joan B.

Montgomery, AL

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