Medicare Parts C & D
Medicare Part C & Part D: Understanding Your Options
At Hodges Insurance in Anderson, SC, we help you make sense of Medicare—especially when it comes to Parts C and D. If you're feeling overwhelmed by all the choices, you're not alone. Our goal is to simplify the process and help you find coverage that fits your needs and your budget.
What Is Medicare Part C (Medicare Advantage)?
Medicare Part C, also known as Medicare Advantage, is an all-in-one alternative to Original Medicare (Parts A and B). These plans are offered by private insurance companies approved by Medicare.
Here’s what Medicare Advantage typically includes:
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Hospital coverage (Part A)
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Medical coverage (Part B)
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Most plans include prescription drug coverage (Part D)
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Additional benefits like vision, dental, hearing, and even gym memberships
Medicare Advantage plans often come with lower monthly premiums, but you may have copays and coinsurance for services. Most plans use a network of doctors and hospitals, so it's important to make sure your providers are in-network.
What Is Medicare Part D?
Medicare Part D is standalone prescription drug coverage. You can enroll in a Part D plan if you have Original Medicare or a Medicare Advantage plan that doesn't include drug coverage.
Key features of Part D:
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Helps cover the cost of prescription medications
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Offered by private insurance companies
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Each plan has a formulary (a list of covered drugs), so it's important to choose a plan that covers the medications you take
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May have a monthly premium, an annual deductible, and copays
Choosing the Right Plan
Choosing between Medicare Advantage (Part C) and Original Medicare + Part D depends on your healthcare needs, budget, and preferred doctors or pharmacies. We help you:
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Compare plans available in Anderson, SC and surrounding areas
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Review your current prescriptions and see which plans offer the best coverage
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Make sure you’re not paying more than you need to
Ready to Explore Your Options?
We’re here to help make Medicare simple. Book a free Medicare consultation with us today and get clear answers about Parts C and D.