Which Medicare Parts Do I Need?

Medicare is made up of different parts — and knowing which ones you need can help you build the right coverage for your situation.

Medicare Part A (Hospital Insurance)

Part A helps cover inpatient hospital care, skilled nursing facilities, hospice, and some home health care. Most people get Part A premium-free if they’ve worked and paid Medicare taxes for at least 10 years.

🔗 Learn about Part A – Medicare.gov

Medicare Part B (Medical Insurance)

Part B helps cover doctor visits, outpatient care, preventive services, lab tests, and medical equipment. Part B has a monthly premium and most people should enroll when they’re first eligible to avoid penalties.

🔗 Learn about Part B – Medicare.gov

Medicare Part D (Prescription Drug Coverage)

Part D helps cover the cost of prescription medications. You can add Part D if you stay with Original Medicare, or you may get drug coverage bundled in a Medicare Advantage plan.

🔗 Learn about Part D – Medicare.gov

Do I need all the parts?

The right combination depends on your health needs and preferences:

• Most people need Part A and Part B as their foundation
• If you take prescription drugs, you may want to add Part D
• You can also choose a Medicare Advantage plan (Part C) that combines A, B, and often D with extra benefits

Need help deciding?

Tap “Contact Us” or “Virtual Appointment” to speak with a licensed Medicare agent who can explain which parts make sense for your needs and budget.

This app is for educational purposes only and is not affiliated with the U.S. government or CMS.