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Medicare is a national health insurance program in the United States, primarily for people aged 65 and over, but also available to some younger individuals with disabilities or specific chronic conditions. Established in 1965, it helps cover many healthcare costs, including hospital stays, physician visits, and prescription drugs, though it does not cover all medical expenses or the cost of most long-term care. Medicare is divided into parts: Part A (Hospital Insurance), which covers inpatient hospital stays; Part B (Medical Insurance), which covers outpatient services; Part C (Medicare Advantage), which offers an alternative way to receive your Medicare benefits through private insurance companies; and Part D, which covers prescription drugs.

  • Part A (Hospital Insurance): Covers inpatient hospital stays, care in nursing facilities, hospice care, and some home health care.
  • Part B (Medical Insurance): Covers certain doctors’ services, outpatient care, medical supplies, and preventive services.
  • Part C (Medicare Advantage Plans): A type of Medicare health plan offered by private companies that contract with Medicare to provide all your Part A and Part B benefits. Many Medicare Advantage Plans also offer prescription drug coverage.
  • Part D (Prescription Drug Coverage): Adds prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service Plans, and Medicare Medical Savings Account Plans.