What Medicare Covers

Medicare Understanding Medicare Part A & Part B

Medicare is a federal health insurance program for U.S. citizens and legal permanent residents (at least 5 consecutive years) who are:

  • Age 65 or older, or

  • Under 65 with certain disabilities, or

  • Diagnosed with End-Stage Renal Disease (ESRD) or ALS (Lou Gehrig’s disease)

The foundation of Medicare is known as Original Medicare, which includes:

  • Medicare Part A (Hospital Insurance)

  • Medicare Part B (Medical Insurance)

Below is a simple breakdown of what each part covers.

Medicare Part A — Hospital Insurance

Part A helps cover the cost of:

  • Inpatient hospital care

  • Skilled nursing facility care (after a qualifying hospital stay)

  • Hospice care

  • Limited home health care

  • Inpatient rehabilitation

Most people receive Part A premium-free if they or their spouse worked and paid Medicare taxes long enough.

Medicare Part B — Medical Insurance

Part B covers medically necessary services and supplies, including:

  • Doctor visits

  • Outpatient care

  • Preventive services (annual wellness visit, screenings, vaccines, etc.)

  • Mental health services

  • Durable medical equipment (wheelchairs, walkers, oxygen)

  • Lab tests, X-rays, and imaging

  • Emergency room and urgent care

Part B has a monthly premium and may include deductibles and coinsurance.

Gaps in Original Medicare (Why Many People Add Extra Coverage)

While Parts A and B provide valuable coverage, they do not pay for 100% of your healthcare costs. Most people add additional coverage to help fill these gaps.

Original Medicare does not cover:

  • Most prescription drugs

  • Dental, vision, hearing

  • Long-term care

  • Deductibles, copays, and coinsurance

  • Coverage while traveling outside the U.S.

  • Out-of-pocket limits (there is no maximum under Original Medicare)

To help with these costs, many beneficiaries choose:

Medicare Supplement (Medigap)

Helps pay deductibles, copays, and coinsurance from Parts A & B.

Medicare Advantage (Part C)

All-in-one alternative that includes your Part A, Part B, and often Part D drug coverage plus extra benefits like dental, vision, hearing, and more.

Need Help Understanding Your Medicare Options?

Medicare can be confusing — but you don’t have to figure it out alone.
At Green Country Medicare Advisors, we compare Medicare Supplement, Medicare Advantage, and Part D plans from multiple carriers to help you choose coverage that fits your needs and budget.

📞 Call us at (866) 406-6773 for a free Medicare review
or
📅 Click here to schedule a 15-minute call with a licensed agent.

There is no cost and no obligation.

*Submit your information and a licensed agent will contact you about your Medicare coverage options. This is a solicitation for insurance.
We do not offer every plan available in your area. Currently we represent 8 organizations which offer 41 products in your area. You can always contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program for help with plan choices. Not affiliated with the U. S. government or federal Medicare program. This is a solicitation for insurance