CRACKING THE CODE Understanding Medicare Parts C and D

Chapter 4: Differences Between Medicare Parts C and D

Medicare Part C, or Medicare Advantage, offers an alternative way for beneficiaries to receive their Medicare benefits through private insurance plans approved by Medicare. These plans typically include hospital (Part A), medical (Part B), and often prescription drug (Part D) coverage, along with additional benefits such as dental, vision, and wellness programs. Part C plans may have different rules, costs, and coverage restrictions compared to Original Medicare. Medicare Part D, on the other hand, specifically focuses on prescription drug coverage, helping beneficiaries afford the medications they need to manage chronic conditions and maintain overall health. Part D plans are standalone prescription drug plans (PDPs) or included as part of a Medicare Advantage plan (MA-PD), and they vary in cost, coverage options, and formularies (lists of covered drugs). Understanding the Different Purposes and Coverages of Parts C and D

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