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How is Plan A Different than Plan B?

Medicare health insurance provides a vast and comprehensive health insurance policy selection. They have tailored policies and options for individuals to have the opportunity to personalize their health insurance policy. This ensures that all individuals, especially seniors, are able to find the right health insurance policy at the right price for them. It is important to know that Medicare policies have different sections and parts that offer distinctive and necessary coverage. It is always in your best interest to thoroughly read your health insurance policy plan to know and understand the terms and conditions of your health insurance policy to help you avoid coverage gaps.

Medicare policies are segmented into categories, or parts, in order to provide a clear and precise interpretation of the policy and coverage extended. There are two main categories in which the policies are divided. The first category is called the Original Medicare Plan and the second category is called the Medicare Advantage Plan. Under the Original Medicare Plan, you will see sections titled Part A and Part B. These two parts of the policy extend very different types of coverage, so it is important to understand what protection is being provided to you.

Aspects of Part A

When selecting Medicare as your health insurance carrier, you will be automatically entered in the Original Medicare Plan coverage policy, unless you specify otherwise. In this plan, Medicare offers a section titled Part A. This part of the policy specifies the coverage Medicare will provide their policyholders for medical treatment sought at a hospital. Generally, there is no additional premium to be paid for this part of the coverage, however it is advised to refer to your personal policy's terms and conditions to see if that applies to you.

Part A not only provides coverage for medical treatment sought in a hospital, but also extends coverage for services related to hospital care. This means that you will have coverage should you need to go to the hospital, or even an urgent care facility. Part A will also provide coverage for your inpatient care sought in most nursing facilities. It will also extend coverage from your health insurance plan should you have to seek medical assistance in a hospice care facility. This also includes home hospice care, or any other general home health care that may be needed and provided based upon your medical condition.

Part B Coverage

Part B is also offered under the Original Medicare Plan, although unlike Part A, Part B requires individuals to pay a premium for the coverage. Part B is the section of your health insurance policy that you will use most. This includes visits to your primary care physician, eye doctor, dentist, and any other doctor type of service. Part B also provides coverage under your policy for medical services sought through outpatient care. Outpatient care can be physical therapy, occupational therapy, and various services provided to you at home, to name a few. Part B is what is extended the majority of the time, as it addresses the medical attention that most all individuals will need at some point throughout the year.

Even though Part B provides coverage for the vast majority of medical services you may need, it is important to know that it cannot be relied upon as comprehensive coverage by itself. When considering how Part A is different from Part B, it is valuable to know what they cover separately. However, it is also extremely important to understand that in order to have a fully comprehensive health insurance policy, you must ensure that your Medicare plan includes both Part A and Part B.


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