The ABC+Ds of Medicare

• Medicare Part A (Hospital care coverage)
  Part A covers inpatient hospital stays, skilled nursing, hospice and home health care. Most people are automatically enrolled in Part A when they turn 65 and do not pay a premium because they already paid for it through payroll deductions.

• Medicare Part B (Medical care coverage)
  Part B covers doctor services and outpatient care, medical supplies and preventive services. Most people are eligible to enroll in Part B three months before they turn 65 through 3 months after their 65th birthday. Everyone pays a Part B premium. You should sign up for Part B as soon as you’re eligible, or you could pay penalties later.

• Medicare Part C (Medicare Advantage plans)
  Medicare Advantage plans include everything Original Medicare covers—everything in Part A and Part B—plus additional benefits like dental, vision and hearing coverage, as well as supplemental benefits like over-the-counter allowances, Fitness Benefits and more. And some Medicare Advantage plans, like MyTruAdvantage plans, also include prescription drug coverage, often referred to as an MAPD plan.

• Medicare Part D (prescription drugs coverage)
  Part D is coverage for prescription drugs and is NOT included in Original Medicare. Make sure to sign up for Part D when you are first eligible for Medicare, or you could pay a late enrollment penalty. This penalty is added to your monthly premium once you decide to enroll—and will continue for as long as you have Medicare. To get Part D coverage, you can enroll in a separate prescription drug plan or a Medicare Advantage Prescription Drug (MAPD) plan.

Learn more about your Medicare options and MyTruAdvantage—Indiana’s own community-focused Medicare Advantage plan. MyTruAdvantage is a Medicare Advantage plan founded by doctors and hospitals you know and trust, focused on the community and designed around you.

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