Medicare Parts A, B, C, and D

Part A: hospital coverage

Part A helps cover inpatient hospital care, skilled nursing facility care, hospice, and some home health care. Most people qualify for premium-free Part A through their own or a spouse’s work history. The 2026 inpatient deductible is $1,736 per benefit period.

Part B: medical coverage

Part B helps cover doctor visits, outpatient care, equipment, and preventive services. The 2026 standard premium is $202.90 per month and the annual deductible is $283. Higher-income beneficiaries may pay more. Original Medicare generally leaves 20% coinsurance for Part B services after the deductible, with no overall annual out-of-pocket ceiling.

Part C: Medicare Advantage

A Medicare-approved private plan is another way to receive Part A and Part B benefits. Most include Part D. You keep Medicare and generally continue paying the Part B premium. Review each plan’s network, referrals, prior authorization rules, and annual limit for covered Part A and Part B costs.

Part D: prescription coverage

Part D covers prescription drugs through a separate drug plan or a Medicare Advantage plan that includes drug coverage. For 2026, the maximum deductible is $615 and the annual out-of-pocket threshold for covered Part D drugs is $2,100. Premiums and uncovered drugs are separate. Check each drug, dose, and pharmacy.

Preventive care comes first

Medicare covers many preventive services, including certain screenings and vaccinations. Cost depends on the service, eligibility conditions, and provider arrangements. Confirm whether a visit is preventive or includes additional diagnostic care.

Compare the main coverage paths →