Medicare can seem confusing at first, but it’s easier to understand when you break it down into its parts. At Guardian Health & Wealth, we make Medicare basics simple so you can make confident decisions. This guide provides a clear overview of Medicare and explains the different Medicare parts, what they cover, and how much they cost.
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What it covers:
2026 Costs (for most people):
Why it matters: Part A helps cover major medical events, like surgeries or long hospital stays, so you don’t face unexpected bills.
What it covers:
2026 Costs:
Why it matters: Part B helps with everyday care you need, like visiting your doctor or getting tests, and keeps your routine health needs covered.
What it covers:
2026 Costs:
Why it matters: Medicare Advantage plans are private alternatives to Original Medicare. They combine coverage into a single plan and may include extras not covered in Parts A or B.
What it covers:
2026 Costs:
Why it matters: Original Medicare doesn’t cover most prescriptions. Part D helps lower your medication costs and ensures you can afford essential drugs.
| Medicare Part | What It Covers | Who Offers It | Includes Drug Coverage? | Monthly Premium (2026) |
|---|---|---|---|---|
| Part A | Hospital stays, skilled nursing, hospice | Federal government | No | Usually $0 |
| Part B | Doctor visits, outpatient care, preventive services | Federal government | No | $202.90+ |
| Part C | All of A & B, usually D + extras | Private insurance | Usually | Varies by plan |
| Part D | Prescription drugs | Private insurance | Yes | Varies by plan |
Not everyone needs every part. Your choice depends on your health needs, budget, and prescription requirements.
Understanding the parts of Medicare is just the first step. At Guardian Health & Wealth, we guide you through Medicare enrollment periods, eligibility rules, and Medicare costs. Our licensed advisors provide personalized Medicare advice to help you choose the plan that works best for your situation, without pressure.
