06/09/2026
When It Comes to Coverage, You Have Options
Medicare is a federal health insurance program that is available to people 65 and older, people under 65 with certain disabilities, and people with end-stage renal disease and amyotrophic lateral sclerosis (ALS or Lou Gehrig’s disease). When you are ready to choose a Medicare plan, take the time to understand how each option works. This will help you make an informed decision and select the plan that best fits your needs.
You have a choice in how you receive your Medicare coverage. The two main options are Original Medicare and Medicare Advantage (also known as Part C).
What are the parts of Medicare?
Original Medicare is a fee-for-service health plan managed by the federal government that has two parts: Medicare Part A (Hospital Insurance) and Part B (Medical Insurance). For drug coverage, you can join a separate Medicare drug plan (Part D).
Learn more about the individual parts of Medicare:
Part A - Hospital Coverage
Helps cover:
Inpatient care in hospitals
Skilled nursing facility care
Hospice care
Home health care
Part B - Medical Coverage
Helps cover:
Services from doctors and other health care providers
Outpatient care
Home health care
Durable medical equipment (like wheelchairs, walkers, hospital beds and other equipment)
Many preventive services (like screenings, shots/vaccines and yearly "Wellness" visits)
Medicare Advantage (also known as Part C)
An "all in one" alternative to Original Medicare that includes Part A, Part B and, usually, Part D.
Plans may have lower out-of-pocket costs than Original Medicare.
Most plans offer extra benefits that Original Medicare doesn't cover such as vision, hearing, dental and more.
Part D - Prescription Drug Coverage
Helps cover:
Cost of prescription drugs (including many recommended shots and vaccines)
Part D plans are run by private insurance companies that follow rules set by Medicare.
Teresa Aguilar
Regional Chamber of Commerce - SGV
