Understanding the Four Parts of Medicare

A practical breakdown of Medicare Parts A, B, C, and D to support everyday client conversations and coverage discussions.

Medicare conversations often start with clients looking for clear, simple answers. As a broker, you’re a key resource as they approach Medicare eligibility—the below overview of Medicare Parts A, B, C, and D help you walk through coverage basics, call out common gaps, and lead more confident plan discussions.

Medicare Part A: Hospital Insurance | Medicare Part A covers inpatient and facility‑based services and is premium‑free for most beneficiaries.

Medicare Part B: Medical Insurance | Medicare Part B covers routine medical and preventive services and requires a monthly premium.

What Medicare Parts A & B Do Not Cover | Original Medicare leaves several common coverage gaps agents should be prepared to address.

Enrolling in Medicare Parts A & B | How and when clients enroll depends on their Social Security or Railroad Retirement status.

Medicare Part C: Medicare Advantage | Medicare Advantage plans bundle hospital and medical coverage through private insurers.

Medicare Part D: Prescription Drug Coverage | Medicare Part D provides prescription drug coverage through private plans. 

For additional training on the four parts, as well as enrollment periods, and more refer to the coordinating Medicare 101 PowerPoint, which provides a more detailed look at how these Medicare parts work together and how to position coverage options with clients.