Medicare Basics

Understanding Medicare

Clipboard listing Medicare Part A, Part B, Part C, and Part D with a stethoscope.

Understanding Medicare can feel overwhelming, but you don't have to navigate it alone.

At Hello Healthcare, we take the time to explain your options, answer your questions, and help you choose coverage that fits your healthcare needs, budget, and goals.

Our commitment doesn't end after enrollment. As your health, lifestyle, or coverage needs change, we're here year-round to provide guidance, answer questions, and help you make informed decisions—so you can feel confident that your coverage continues to meet your needs, year after year.

Original Medicare (Parts A & B)

Original Medicare is a federal health insurance program for people age 65 and older and certain individuals with disabilities. It includes two parts:

Part A (Hospital Insurance)

Helps cover inpatient hospital stays, skilled nursing facility care, hospice services, and certain home health care.

Part B (Medical Insurance)

Helps cover doctor visits, preventive care, outpatient services, lab work, medical equipment, and other medically necessary services.

Together, Parts A and B provide the foundation of your Medicare coverage. However, they don't cover all healthcare costs. We'll help you understand what's covered, what's not, and the options available to fill those gaps.

Medicare Advantage Plans (Part C)

Medicare Advantage plans are offered by private insurance companies approved by Medicare. These all-in-one plans combine your Part A and Part B benefits and often include prescription drug coverage (Part D). Many plans also offer additional benefits such as dental, vision, hearing, fitness programs, and over-the-counter allowances.

Every plan has its own provider network, costs, and benefits. We'll help you compare your options and determine whether a Medicare Advantage plan is the right fit for your healthcare needs and budget.

Prescription Drug Coverage (Part D)

Medicare Part D plans are offered by private insurance companies and help cover the cost of prescription medications. These plans can be added to Original Medicare, certain Medicare Advantage plans that do not include drug coverage, and Medicare Supplement plans.

Each Part D plan has its own formulary (list of covered medications), pharmacy network, and costs. We'll help you compare plans to find coverage that keeps your medications affordable while meeting your prescription needs.

Medicare Supplement Plans (Medigap)

Medicare Supplement (Medigap) plans are offered by private insurance companies and work alongside Original Medicare to help pay many of the out-of-pocket costs that Medicare doesn't fully cover, such as deductibles, copayments, and coinsurance.

Because there are no provider networks, you can see any doctor or hospital nationwide that accepts Medicare. These plans can provide greater flexibility and more predictable healthcare costs. We'll explain your Medigap options and help you determine whether this type of coverage is the best fit for your needs.

Preview Medicare plans in your area

Browse the plans available where you live, then reach out and we'll compare them together.

Preview plans Contact us