CRACKING THE CODE Understanding Medicare Parts C and D

Chapter 4: Differences Between Medicare Parts C and D

How Parts C and D Work Together or Independently Medicare Parts C and D can work together or independently, depending on the beneficiary's healthcare needs and preferences:

Integrated Coverage: Many Medicare Advantage plans (Part C) include prescription drug coverage (Part D) as part of their overall plan benefits. These plans offer integrated coverage for hospital, medical, and prescription drug services, simplifying the healthcare experience for beneficiaries.

Separate Coverage: Beneficiaries can also choose to enroll in Original Medicare (Parts A and B) and select a standalone Prescription Drug Plan (Part D) to supplement their coverage. This option allows beneficiaries to customize their coverage by choosing separate plans for hospital, medical, and prescription drug services.

By understanding the differences between Medicare Parts C and D and evaluating their benefits, costs, and eligibility requirements, beneficiaries can make informed decisions about their healthcare coverage. Whether opting for integrated coverage through Medicare Advantage or selecting separate plans for hospital, medical, and prescription drug services, beneficiaries can tailor their coverage to meet their individual healthcare needs and preferences.

19

www.medicare-parts-explained.com

202404AMED2MDCD