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Medicare Part A – Hospital Insurance
Part A is one part of Original Medicare. It helps cover inpatient hospital stays, skilled nursing facility care, hospice care, and certain home health care services.
We help beneficiaries understand Medicare Advantage, Medicare Supplement, Part D, enrollment periods, providers, prescriptions and costs.
Sample visual for education only. Not an actual beneficiary card.
Medicare can feel confusing at first. Throughout our website, you’ll see terms such as Part A, Part B, Part C, and Part D. Here’s a simple explanation of what each one means.
Part A is one part of Original Medicare. It helps cover inpatient hospital stays, skilled nursing facility care, hospice care, and certain home health care services.
Part B is the second part of Original Medicare. It helps cover doctor visits, outpatient care, preventive services, laboratory services, certain medical supplies, and other medically necessary services.
Original Medicare is the traditional Medicare program administered by the federal government. It includes Medicare Part A and Part B. Original Medicare generally does not include routine outpatient prescription drug coverage.
Medicare Part C, commonly known as Medicare Advantage (MA), is another way to receive your Medicare benefits through a private insurance company approved by Medicare.
Medicare Advantage plans provide Medicare Part A and Part B benefits, with certain exceptions. Many plans also include prescription drug coverage and may offer additional benefits such as dental, vision, hearing, fitness, and other services.
Benefits, provider networks, premiums, copayments, coinsurance, and other costs vary by plan and service area.
Medicare Part D helps pay for covered prescription medications. Prescription drug coverage may be obtained through a stand-alone Medicare Prescription Drug Plan or may be included in certain Medicare Advantage plans.
Part D enrollment is not required. However, if you go 63 consecutive days or more without Medicare drug coverage or other creditable prescription drug coverage after becoming eligible, you may have to pay a late-enrollment penalty if you enroll later.
A formulary is the list of prescription medications covered by a Medicare drug plan. Many plans organize medications into different tiers. Your copayment or coinsurance may vary depending on the medication and the tier in which it is placed.
Formularies, covered medications, pharmacy networks, and costs vary by plan.
J&J Assurance Group can help you understand your Medicare coverage choices and compare available options based on your healthcare needs, prescriptions, doctors, budget, and eligibility.
J&J is contracted with Medicare Advantage and Medicare Supplement carriers serving New Jersey. Availability and eligibility vary by county, product and applicant circumstances.
We compare carrier options based on doctors, prescriptions, benefits and costs.
We explain Medigap plan choices, premiums and enrollment considerations.
We help review stand-alone prescription drug coverage and Extra Help/LIS.