What is Medicare?
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The Alphabet of Care
Medicare doesn't have to be confusing. Here is your quick, no-nonsense guide to what each part actually does—without the government jargon.
Part A
Hospital
Think of this as your room and board. It covers inpatient hospital care, skilled nursing facilities, and hospice care.
Pro-tip: Most people get this premium-free if they have 10+ years of work history.
Part B
Doctor
Your day-to-day medical care. It covers outpatient visits, preventive services, lab tests, and medical equipment.
Pro-tip: This is the part that typically carries a standard monthly premium.
Part C
Advantage
The all-in-one alternative. Private plans that bundle A, B, and usually D, often adding extra perks like dental and vision.
Pro-tip: Operates like an HMO/PPO, meaning you'll generally need to use network providers.
Part D
Prescription
Your pharmacy card. Standalone plans that help cover the cost of your medications, both generic and brand-name.
Pro-tip: Even if you don't take meds now, sign up to avoid late enrollment penalties.
MEDICARE BASE COSTS
Clear Costs,
Zero Surprises
Part A
Hospital Insurance
Monthly Premium
$0
For most beneficiaries with 40+ work quarters.
Deductible
$1,736
Per benefit period (not annual).
Part B
Doctor & Outpatient
Monthly Premium
$202.90
Standard base rate.
Deductible
$283
Per year.
PRO-TIP: IRMAA
If your income is above a certain limit, you may pay an Income Related Monthly Adjustment Amount (IRMAA). This is a higher-earner adjustment added to your Part B and Part D premiums, based on your tax return from two years prior.
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Harmony Health & Life Insurance Partners LLC
Headquartered in Reno, NV
Phone:
Email: [email protected]
Service Areas
Proudly licensed and serving individuals and families across the following states: Nevada (NV), California (CA), Arizona (AZ), Oregon (OR), Washington (WA), Texas (TX), Georgia (GA), Florida (FL), Ohio (OH), and North Carolina (NC).
Important Disclaimer
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or call 1-800-Medicare to get information on all of your options.
Harmony Health and Life Insurance Partners LLC is not connected with or endorsed by the United States Government or the federal Medicare program.
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