Medicare Overview: Understanding Parts A & B
Medicare Parts A and B: What You Need to Know
Discover comprehensive Medicare overview services with Hodges Insurance. We specialize in guiding you through the complexities of Medicare Parts A and B, ensuring you understand your options fully. Our team in Anderson, SC, provides personalized consultations to help you find the right coverage tailored to your health needs and budget. Whether it’s understanding hospital insurance or outpatient care, Hodges Insurance is here to assist you every step of the way. Contact us today for expert Medicare guidance and support.
Welcome to Your Medicare Overview
Turning 65 or just want to understand how Medicare works? You’re in the right place. We’ll break it down step-by-step, no jargon, no confusion, and help you explore your options with confidence.
🎥 Let’s Make Medicare Make Sense
Not a fan of reading long explanations? You’re in luck.
In this short video, Beth, a licensed Life & Health agent who focuses on Medicare and Final Expense, breaks down Parts A, B, C, D, G, and N in a way that’s super simple to follow. Think of it like getting the scoop from your talkative blonde bestie, minus the confusion.
🎬 Watch the video, then keep scrolling to learn more about each part.
Still have questions or want a second opinion on your coverage? Click here to book a free Medicare review or give us a CALL no pressure, no cost, just helpful advice.
What Is Medicare Part A?
Medicare Part A covers inpatient hospital care, skilled nursing facility care, hospice, and some home health care.
Part A may cover:
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Hospital stays (semi-private room, meals, general nursing)
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Skilled nursing facility care (after a qualifying hospital stay)
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Hospice care for terminally ill patients
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Limited home health services
Cost: Most people don’t pay a premium for Part A if they’ve worked at least 10 years and paid Medicare taxes. However, there may be deductibles and coinsurance.
What Is Medicare Part B?
Medicare Part B covers outpatient care, doctor visits, durable medical equipment, preventive services, and more.
Part B may cover:
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Doctor visits and outpatient care
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Preventive services (flu shots, cancer screenings, etc.)
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Mental health services
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Durable medical equipment (DME)
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Lab tests and X-rays
Cost: Part B typically requires a monthly premium. In 2025, the standard premium is around $174.70/month (varies based on income). You’ll also pay an annual deductible and 20% coinsurance for most services.
Do You Need Both Part A and Part B?
Most people enroll in both Part A and Part B to ensure comprehensive coverage. Together, they form Original Medicare, which can be enhanced with a Medicare Supplement Plan (Medigap) or Medicare Advantage (Part C).
When Should You Enroll?
You can sign up for Medicare during your Initial Enrollment Period (IEP), which starts 3 months before you turn 65 and ends 3 months after your birthday month. Missing this window could result in late enrollment penalties.
Why Work with Hodges Insurance?
Navigating Medicare can be confusing. At Hodges Insurance, we provide personalized, no-cost consultations to help you:
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Understand your Medicare benefits
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Avoid penalties
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Compare supplemental options
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Get coverage tailored to your health and budget
Get Help Today
💬 Have Medicare Questions? We’re Here to Help.
Whether you’re new to Medicare or reviewing your current coverage, you don’t have to navigate it alone.
Our licensed agents offer free, personalized guidance to help you feel confident about your choices, no sales pressure, just clear and helpful advice.
👉 Click below to schedule your free Medicare review
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