What Is Medicare Part A and Part B?

Medicare is a federal health insurance program that insures individuals over the age of 65. It is also available to certain individuals who are under the age of 65 and meet other qualifications. However, it is important to understand there are different parts to Medicare plans that you should be aware of.

At Stevens & Associates Insurance Agency, Inc., we want to make sure our customers in Santa Barbara, CA, understand how Medicare insures individuals and the differences between Part A and Part B. Keep reading to get more information!

Elderly man in hospital bed

Medicare Part A

Medicare Part A is the hospital insurance portion of Medicare. It covers inpatient hospital stays, skilled nursing care, some home health care services, and hospice care. Part A does not cover prescription drugs, but it does cover other inpatient services such as laboratory tests, x-rays, and surgery. Part A is usually available at no extra cost to individuals who have worked and paid Medicare taxes for at least 10 years. For those who have not paid into Medicare, Part A can be purchased through private insurance companies.

Man talking with his doctor

Medicare Part B

Medicare Part B is known as medical insurance, and it helps cover the cost of certain doctor’s services, outpatient care, medical supplies, and preventive services. It also helps cover the cost of certain prescription drugs. Part B is usually available for a premium, and individuals can choose to pay the premium directly or have it deducted from their Social Security check. It is available to those who have paid into Medicare or those who qualify due to a disability or illness.

At Stevens & Associates Insurance Agency, Inc., we understand that navigating the world of Medicare can be tricky. That’s why we are here to help. Our team of experienced professionals can help you understand the difference between Medicare Part A and Part B, as well as other aspects of Medicare coverage. If you’re in Santa Barbara looking for individual Medicare, contact us today to learn more about how we can help you with your Medicare needs.

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