Medicare Overview

There are four parts of Medicare

A

HOSPITAL COVERAGE

Inpatient coverage

B

MEDICAL COVERAGE
Doctor and
Outpatient Coverage

C

MEDICARE ADVANTAGE
Medicare A, B & D benefits administered by private insurance companies

D

Rx DRUG COVERAGE
Voluntary Drug coverage provided by private insurance companies.

Part A

Inpatient Hospital Stays

Inpatient Skilled Nursing Facility

Hospice Care

No cost for most individuals

Part A Deductible $1,676 for 2025

Part B

Physician services

Outpatient Services

Home Health Care

Durable Medical Equipment (DME)

Diagnostic Services (Labs, X-rays, MRI, etc)

Part B Deductible $257 annually

Part B Premium $185 for 2025

Medicare Enrollment Period

You can first sign up for Part A and/or Part B during the
7 month time period
that begins 3 months before you turn 65 and ends 3 months after.

Parts B & D Premium and IRMAA

Income-Related monthly Adjustment Amount 
IRMAA for high income retirement income 
Fill out Medicare Form
Speak with Licensed Medicare Insurance Agent