--- title: "Parts of Medicare (A, B, C, D) Explained Simply" description: "What does each part of Medicare actually cover? Hospital, doctor, drugs, extras. One-page breakdown with zero jargon. Takes 5 minutes to read." lang: en json-ld: | { "@context": "https://schema.org", "@type": "InsuranceAgency", "name": "Dalton Insurance Agency", "description": "Independent Medicare brokerage serving Alabama, Georgia, Florida, Tennessee, Mississippi, South Carolina, North Carolina, Louisiana, and Illinois. Founded by Dr. Tyler Dalton, PharmD.", "url": "https://dalton-insuranceagency.com", "telephone": "+1-334-489-3624", "email": "tyler@daltoninsurance.biz", "logo": "https://dalton-insuranceagency.com/favicon-dia-preview.png", "image": "https://dalton-insuranceagency.com/og-image.png", "address": { "@type": "PostalAddress", "streetAddress": "221 E South Street", "addressLocality": "Dadeville", "addressRegion": "AL", "postalCode": "36853", "addressCountry": "US" }, "geo": { "@type": "GeoCoordinates", "latitude": 32.8312, "longitude": -85.7636 }, "areaServed": [ { "@type": "State", "name": "Alabama" }, { "@type": "State", "name": "Georgia" }, { "@type": "State", "name": "Florida" }, { "@type": "State", "name": "Tennessee" }, { "@type": "State", "name": "Mississippi" }, { "@type": "State", "name": "South Carolina" }, { "@type": "State", "name": "North Carolina" }, { "@type": "State", "name": "Louisiana" }, { "@type": "State", "name": "Illinois" } ], "founder": { "@type": "Person", "name": "Tyler Dalton", "honorificPrefix": "Dr.", "honorificSuffix": "PharmD", "jobTitle": "Founder and Licensed Insurance Broker", "url": "https://dalton-insuranceagency.com/about/tyler-dalton", "hasCredential": [ { "@type": "EducationalOccupationalCredential", "credentialCategory": "degree", "name": "Doctor of Pharmacy (PharmD)" }, { "@type": "EducationalOccupationalCredential", "credentialCategory": "license", "name": "Licensed Insurance Broker" } ] }, "openingHoursSpecification": { "@type": "OpeningHoursSpecification", "dayOfWeek": [ "Monday", "Tuesday", "Wednesday", "Thursday", "Friday" ], "opens": "08:00", "closes": "17:00" }, "sameAs": [ "https://www.facebook.com/DALTONINSURANCEAGENCY1/", "https://www.instagram.com/drtylerdalton/", "https://x.com/drtylerdalton", "https://www.linkedin.com/company/101849497/", "https://www.youtube.com/@TylerDalton" ], "priceRange": "Free Consultations", "paymentAccepted": "Insurance commission-based (no cost to clients)" } --- [Call Now: (334) 489-3624 ](tel:13344893624)Free Medicare Consultation Free Consult [ Dalton Insurance Medicare & Wealth Advisors ](/) - [Home](/) - Medicare - Retirement & Wealth - Resources - [About Us](/about) [(334) 489-3624](tel:13344893624)[Book Appointment](/appointments) # Parts of Medicare Explained (A, B, C, D) Medicare has four parts that work together to provide coverage. Here's what each one covers and how they fit into your overall health plan. ## Part A: Hospital Insurance Part A covers inpatient hospital stays, skilled nursing facility care (following a hospital stay), hospice care, and some home health services. Most people don't pay a premium for Part A if they or their spouse paid Medicare taxes while working. Part A has a deductible ($1,736 per benefit period in 2026) and covers up to 90 days of hospital care per benefit period, plus a lifetime reserve of 60 additional days. After that, you pay all costs. ## Part B: Medical Insurance Part B covers doctor visits, outpatient care, preventive services, medical equipment, and some home health services. You pay a monthly premium (2026: $202.90), an annual deductible (2026: $283), and typically 20% coinsurance for most services. Higher earners pay more for Part B through Income-Related Monthly Adjustment Amounts (IRMAA). If your modified adjusted gross income exceeds certain thresholds, your premium increases. ## Part C: Medicare Advantage Plans Part C is an alternative to Original Medicare (Parts A and B). Private insurance companies offer these plans, which must cover everything Original Medicare covers—and often include extras like dental, vision, hearing, and prescription drug coverage. Medicare Advantage plans typically have lower premiums but use provider networks (HMO/PPO) and may require referrals. You still pay your Part B premium plus any additional plan premium. ## Part D: Prescription Drug Coverage Part D adds prescription drug coverage to Original Medicare or certain Medicare Advantage plans. You pay a monthly premium (varies by plan), an annual deductible (up to $590 in 2026), and copays or coinsurance for medications. If you don't enroll in Part D when first eligible and don't have creditable drug coverage elsewhere, you'll pay a late enrollment penalty for as long as you have Part D. The penalty increases the longer you wait. ### Confused About Your Options? We'll help you understand which parts you need and how to get the right coverage for your situation. Get Personalized Guidance[Call (334) 489-3624](tel:3344893624) ⭐ Lifetime Support: Once you are our client, you are our client for life⭐ ### Dalton Insurance Your trusted Medicare & Wealth advisors. Helping families secure their health and protect their wealth for nearly 15 years. 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All rights reserved. Licensed in: [AL](/service-areas) • [GA](/medicare-service-areas-georgia) • FL • TN • MS • SC • NC • IL • and more [](https://www.facebook.com/DALTONINSURANCEAGENCY1/)[](https://www.tiktok.com/@drtylerdalton1)[](https://www.instagram.com/drtylerdalton/)[](https://www.linkedin.com/company/101849497/)[](https://www.youtube.com/@TylerDalton) © 2026 Dalton Insurance Agency. All Rights Reserved. Medicare has neither reviewed nor endorsed this information. Not connected with or endorsed by the United States government or the federal Medicare program. Calling our phone number will connect you to a licensed broker who is trained and certified to help you review the plan options available in your area. We do not offer every plan available in your area. Currently we represent 10 organizations which offer many products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.