CRACKING THE CODE Understanding Medicare Parts C and D

Chapter 4: Differences Between Medicare Parts C and D

When comparing Medicare Parts C and D, beneficiaries should consider several factors, including: Benefits, Costs, and Eligibility Requirements

Benefits: Medicare Advantage plans (Part C) often offer additional benefits beyond Original Medicare, such as dental, vision, and wellness programs. Part D plans (Prescription Drug Plans) focus solely on prescription drug coverage.

Costs: Medicare Advantage plans may have premiums, deductibles, copayments, and coinsurance for covered services, while Part D plans typically involve premiums, deductibles, copayments, and coinsurance for prescription drugs. The costs and coverage options can vary between plans, so beneficiaries should review plan details carefully.

Eligibility Requirements: To enroll in Medicare Advantage (Part C), beneficiaries must have both Medicare Parts A and B and live in the plan's service area. Part D plans are available to beneficiaries with Medicare Parts A or B, and they must live in the plan's service area.

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