If you're new to Medicare, you’re probably just starting to learn about the different parts of the Medicare program. This Beginner’s Guide helps explain each Medicare plan option and what they cover.View Guide
Our easy-to-use plan comparison tool can help you find the right Medicare Plan.Compare plans
What does Medicare Part A cover?
Medicare Part A is provided by the federal government and covers care if you are in the hospital or a skilled nursing facility or are receiving home health care. Once you are enrolled in Medicare Part A, you may receive these benefits without having to pay a premium because you have already paid for them through Social Security payroll contributions.
What does Medicare Part B cover?
Medicare Part B is provided by the federal government and covers visits to your doctor's office and other outpatient services and supplies. When you enroll in Medicare Part B, there is monthly premium requirement and you can choose not to have this coverage.
What does Medicare Part C cover?
Medicare Part C is called Medicare Advantage and you have to get it from a private insurance company that has been approved by Medicare. Generally, these Medicare Advantage Plans (Part C) cover everything in Parts A and B and might include additional benefits such as dental, vision and hearing services. Most Medicare Advantage plans offer Part D prescription drug coverage.
What does Medicare Part D cover?
Medicare Part D covers prescription drugs and you get it from a private insurance company that has been approved by Medicare. Part D adds prescription drug coverage to original Medicare.
Original Medicare refers to Medicare Parts A & B, which are run by the federal government. Part A covers hospital-related services and emergency care. Part B covers services like doctor visits, lab tests, immunizations, & necessary equipment like wheelchairs.
Generally, you are eligible for Medicare if you are:
Enrolling in Medicare is easy with the help of our licensed Medicare agent, eHealth
Initial Enrollment Period
There is a 7–month period of time during which you can enroll in Medicare that begins three months prior to the month prior to the month you turn 65 and ends three months after your birthday month. If you apply prior to your birthday month, your coverage will be effective on the first day of your birthday month.
Annual Enrollment Period
Each year, there is also an annual enrollment period. October 15 through December 7 is the Annual Enrollment Period for Part C (Medicare Advantage Plan) and Part D (prescription drug plan). During this period, you can change your plans or add or drop coverage (coverage begins January 1 of the following year).
Special Enrollment Period
If you didn't sign up for Part B (or Part A) when you were first eligible because you're covered under a group health plan based on current employment (your own or spouse's or a family member's (if you have a disability), you can sign up for Part A and/or Part B:
Each year everyone can change their Medicare plan during the annual enrollment period (October 15 to December 7). There might be exceptions to these timelines if you qualify for extra help paying for prescription drug coverage
The pharmacy you choose is as important to your savings as the plan you select. Many plans will have contracts with specific pharmacies that are called "network" pharmacies. If you go outside of the network, you will likely pay more. Plans with "preferred pharmacies" have contracted with your plan to provide your medications. When you go to a preferred pharmacy, your costs may be lower. An easy–to–use plan finder tool can help you find low–cost Part D plans that have Winn-Dixie Pharmacy set as a preferred pharmacy.