The 4 Parts of Medicare Explained
Part A (Hospital Insurance)
Covers inpatient hospital stays, skilled nursing care, and hospice. Usually $0 premium if you or your spouse paid Medicare taxes for 10+ years (40 quarters).
Part B (Medical & Doctor Insurance)
Covers outpatient doctor visits, preventive care, lab tests, and durable medical equipment. Standard monthly premium in 2026 is ~$174.70/mo.
Part C (Medicare Advantage)
Private all-in-one HMO/PPO plans replacing Original Medicare, often bundling drug, dental, and vision with localized network restrictions.
Part D (Prescription Drugs)
Stand-alone private insurance for outpatient retail medications with protected annual maximum out-of-pocket caps ($2,000 in 2026).
Medigap Plan G vs Plan N Comparison
| Feature / Benefit | Medigap Plan G | Medigap Plan N |
|---|---|---|
| Part A Hospital Deductible ($1,632) | 100% Covered | 100% Covered |
| Part B 20% Coinsurance | 100% Covered | 100% Covered (up to $20 office copay) |
| Part B Excess Charges | 100% Covered | Not Covered |
| Average Monthly Premium | ~$115 – $145 / mo | ~$85 – $105 / mo (Lower) |
Need a Customized Medicare Comparison?
Our licensed counselors check your doctor network and prescriptions against all available state plans.