Understanding Medicare Coverage
Learn what Medicare covers, what it doesn't, and how to fill the gaps with the right supplemental coverage.
Medicare Parts A, B, C & D
Inpatient hospital care, skilled nursing facility care (limited), hospice care, and some home health care.
Cost: Usually free if you or your spouse paid Medicare taxes for 10+ years.
Doctor visits, outpatient care, preventive services, durable medical equipment, and some home health care.
Cost: Standard premium of $185/month in 2025 (higher for high earners).
Everything Parts A & B cover, plus often dental, vision, hearing, and prescription drugs.
Cost: Varies by plan — many have $0 premium.
Prescription medications. Available as a standalone plan or included in Medicare Advantage.
Cost: Varies by plan — typically $10–$50/month.
Explore Your Coverage Options
Medicare Advantage
All-in-one Part C plans with extra benefits
Learn MoreMedicare Supplement
Medigap plans that fill Original Medicare gaps
Learn MoreMedicare Plans
Compare all your Medicare plan options
Learn MoreDental & Vision
Coverage Medicare doesn't include
Learn MoreLong-Term Care
Protect your assets from care costs
Learn MoreHybrid LTC Planning
LTC coverage with a money-back guarantee
Learn MoreMap coverage decisions to the right enrollment window
Coverage questions are easier to solve when you know which deadline applies to you. Use the Medicare enrollment timeline to understand when to choose Parts A and B, when to compare plan types, and when yearly changes are available.
Common questions about Medicare coverage gaps
These quick answers help explain where Original Medicare stops and where supplemental coverage decisions begin.
Original Medicare generally does not cover routine dental care, routine vision, hearing aids, long-term custodial care, and there is no built-in cap on your out-of-pocket spending. That is why many people compare Medigap, Part D, Medicare Advantage, and standalone ancillary coverage after enrolling in Parts A and B.
Get Help Understanding Your Coverage Options
Deborah will explain your Medicare coverage options in plain language and help you choose the right combination for your needs.