Medicare | Surf And Sand Insurance

Medicare Parts Explained

Understanding your coverage is the first step toward peace of mind. We break down the five main parts of Medicare into simple, easy-to-follow sections.

A

Hospital Insurance

Inpatient hospital stay
Skilled nursing facility care
Hospice care
Some home health care

B

Medical Insurance

Doctor visits
Preventive services
Lab work and screenings
outpatient care
Medical equipment
Some home health services

C

Medicare Advantage

Includes Part A + B
Often lower out-of-pocket cost
May include dental & vision
Utilize plan's network

G

Medicare Supplement

Covers Part A & Part B costs
Helps with deductibles
Does not cover prescription drugs

D

Prescription Drug Plans

Part D: Prescription Drug Coverage
Available with Original Medicare
Available with Medicare Advantage

Explore Your Medicare Plan Types

We break down the different Medicare coverage options to help you find the right fit for your lifestyle and needs.

Medicare (Part A & B)

Original Medicare consists of Part A (hospital insurance) and Part B (medical insurance). It is the most basic coverage available.

Part A: Hospital coverage
Part B: Medical coverage

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Medicare Advantage (Part C)

Private insurance plans offered by Medicare-approved providers. These plans often include prescription drug coverage and may offer extra benefits like dental and vision.

Often lower out-of-pocket costs
May include dental and vision
Provider network restrictions

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Medicare Supplement (Part G)

Private insurance that helps cover the costs of Medicare Part B and Part D, such as coinsurance, copayments, and deductibles.

Covers Part A and Part B costs
Helps with deductibles
Does not cover prescription drugs

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Prescription Drug Plans (Part D)

Private insurance plans that cover your prescription medications. These plans are available through private insurance companies.

Covers prescription medications
Monthly premiums and deductibles
Formulary restrictions

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