Medicare Parts A, B, C, and D — Plainly Explained
Medicare is four programs in one. Knowing what each part actually covers prevents expensive surprises.
You're not the only Arizona family navigating this. Hundreds of caregivers and older adults swap real-world advice every week in our free Arizona senior community.
What to know
- 1
Part A: hospital stays, skilled nursing rehab, hospice. Usually no premium if you paid Medicare taxes.
- 2
Part B: doctor visits, outpatient care, preventive services. Monthly premium based on income.
- 3
Part C (Medicare Advantage): private plans that bundle A, B, and usually D — with network restrictions.
- 4
Part D: prescription drug coverage, sold separately by private insurers.
- 5
Medigap (Supplement) plans help cover what Original Medicare doesn't. You generally cannot have Medigap and Advantage at the same time.
Frequently asked questions
What is the difference between Medicare Advantage and Medigap?+
Medicare Advantage (Part C) replaces Original Medicare with a private plan, usually with networks and bundled drug coverage. Medigap supplements Original Medicare by covering deductibles and copays. You cannot have both at the same time.
Does Medicare cover long-term care?+
No. Medicare covers short-term skilled nursing rehab after a hospital stay and hospice, but not custodial long-term care in a nursing home or assisted living.
Do I have to enroll in Part D if I do not take prescriptions?+
If you do not enroll when first eligible and do not have other creditable drug coverage, you will likely face a permanent monthly penalty when you do enroll later.
More in Healthcare & Medicare
All resourcesMedicare Enrollment: Don't Miss the Windows
Missing Medicare enrollment windows can mean lifetime penalties. The dates are strict.
Read guideBeing a Healthcare Advocate at Appointments
Older adults often have short visits, multiple specialists, and complicated medication lists. A second set of ears matters.
Read guideThe Arizona community where seniors, caregivers & families connect.
Our Facebook Community is the day-to-day heartbeat of Senior Connection — a welcoming place where seniors, caregivers, families, and trusted local professionals come together to share resources, discover events, ask questions, and support one another.
Whether you're navigating aging, caring for a loved one, looking for local resources, or simply hoping to stay connected, you'll find a community that understands.
- ● Support from people who understand
- ● Live Q&A with local experts
- ● Trusted resources and education
- ● Local events and community updates
Free · Private group · Hosted by Senior Connection AZ