Parts of Medicare
Which part of Medicare covers hospital stays?
Part A
At what age do most people first become eligible for Medicare?
65
True or False: Medicare Part A usually has a monthly premium.
False, most people qualify for premium-free Part A
Medicare is free for everyone
Myth
A client calls asking, “Which part of Medicare covers hospital stays?
Part A covers hospital stays, inpatient care, and some skilled nursing.
Which part of Medicare covers doctor visits and outpatient care?
Part B
What is the 7-month window when you can first enroll in Medicare called?
Initial Enrollment Period
What is the standard monthly premium for Part B in 2025?
$185
Medicare covers routine dental, vision, and hearing services.
Myth – only some Advantage plans do
Client asks, “I heard Medicare Advantage combines A & B. Is that true?”
Yes, Medicare Advantage (Part C) is offered by private companies and includes A & B; often offers extra benefits.
Which part of Medicare is offered by private companies and combines Parts A & B?
Part C Medicare Advantage
When is the Annual Enrollment Period each year?
Answer: October 15 – December 7
What does “MOOP” stand for in Medicare Advantage plans?
Maximum Out-of-Pocket
You must be retired to get Medicare.
Answer: Myth – you just need to meet age or disability requirements
Client asks, “Does Medicare cover hospice care?”
Hospice is covered under Part A for terminal illness with doctor certification.
Which part of Medicare provides prescription drug coverage?
Part D
What is the Open Enrollment Period for Medicare Advantage plans?
January 1 – March 31
What is the penalty for not enrolling in Part B when first eligible (without creditable coverage)?
10% for each full 12-month period you delay
People under 65 can qualify for Medicare.
Answer: Fact – if they have certain disabilities or ESRD/ALS
“Can people under 65 get Medicare?”
Those with certain disabilities or ESRD/ALS qualify.
What are the two parts of “Original Medicare”?
Parts A & B
True or False: You can change your Medigap plan any time of year.
True, but underwriting may apply depending on state rules
What does LIS stand for and who does it help?
Low-Income Subsidy – helps with prescription drug costs
Medicare covers hospice care.
Fact – under Part A
“Can I change my Medicare Advantage plan outside of enrollment periods?”
Generally no; only during Annual Enrollment Period, Open Enrollment (Jan 1–Mar 31), or special circumstances.