Medicare Part C and D come from private insurers, these sections of the program are not federally funded. However, since these private companies work with the federal government to help round out Medicare coverage, the services they offer must still abide by certain rules and guidelines.
Part C: Remember, this is also known as Medicare Advantage (MA). It is an optional, private alternative to Original Medicare. Part C plans combine different parts of Medicare into one overall plan.
If you decided to enroll in this segment of Medicare you will still have to sign up for Part A and B, and pay for whatever premiums go along with them.
The advantage of Part C is that these plans are usually more comprehensive than Original Medicare. The federal government requires that MA plans cover everything that Part A and B cover, plus these private plans may also include the below services:
- Dental care
- Vision care
- Wheelchair ramps
- Shower grips
- Meal delivery
- Transportation to doctor’s appointments
- Prescription costs
Part D: Like Part C, you select the Part D Medicare plans from a private insurer.
This last part of Medicare covers part of your prescription drug fees. With Part D, you may have to cover out-of-pocket costs such as:
- Monthly premium
- Copays for medication or a percentage of prescription fees
- Annual deductible
In 2024 if the total amount that you and your Part D plan have spent on medication exceeds $5,030, then you become responsible for paying 25% of the price of any remaining medication that year.
Now that you know about the different parts of Medicare, learn how to qualify for the program if you are age 65 or older.
By Admin –
