Understanding Medicare Parts A, B, C & D

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Medicare Part A helps cover the major medical expenses associated with hospital care. It includes:

Inpatient hospital stays
Skilled nursing facility care
Hospice care
Limited home health care

Most people receive Part A premium-free, and it forms the foundation of your Medicare coverage. Understanding how deductibles and hospital stay limits work can help you avoid unexpected costs.

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Part B covers everyday medical needs and preventive care, including:

Doctor visits
Outpatient procedures
Lab work and diagnostic tests
Preventive services (mammograms, vaccines, screenings)
Durable medical equipment

Part B typically requires a monthly premium. Choosing when to enroll and how coverage works with other insurance is an important part of your retirement health strategy. We help you compare options, penalties, and benefits so there are no surprises.

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Medicare Advantage (Part C) combines the benefits of Parts A and B into an all-in-one plan offered by private insurance companies.

Most plans also include:

Prescription drug coverage
Dental, vision, and hearing benefits
Wellness programs
Annual out-of-pocket limits for added protection

These plans vary widely. As an independent advisor, Garry reviews multiple carriers to help you compare benefits, networks, copays, and extras so you find the plan that fits your needs—not the other way around.

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Part D helps reduce the cost of prescription medications. Every plan has its own:

Drug formulary (list of covered medications)
Pharmacy network
Premiums, copays, and deductibles

Choosing the right Part D plan is essential—especially if you take regular medications. We analyze your prescriptions, compare all available plans, and identify the most cost-efficient options each year.

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With a strong foundation of trust, integrity, and personal service, Garry Edwards provides:

Independent plan comparison
Yearly reviews to ensure your plan still fits
Complimentary consultations
Clear explanations so you can make confident decisions
A fiduciary commitment to always put your needs first

For decades, seniors across the Southeast have relied on Garry’s experience and dedication to help them understand the pros and cons of Medicare options.

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Frequently Asked Questions

Medicare is divided into four parts to help cover different types of healthcare needs.

Part A covers hospital care, skilled nursing, and hospice.
Part B covers doctor visits, outpatient care, and preventive services.
Part C (Medicare Advantage) combines Parts A & B and often includes additional benefits such as dental, vision, and drug coverage.
Part D provides prescription drug coverage.
Garry helps simplify these options so you can choose the combination that best fits your health needs and budget.

[/et_pb_accordion_item][et_pb_accordion_item title=”Do I need both Medicare Part B and a Medicare Advantage (Part C) plan?” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” open=”off”]

No, you cannot enroll in a Medicare Advantage plan without first being enrolled in Parts A and B. However, once you join a Part C plan, it replaces Original Medicare coverage while still giving you all Part A and B benefits, often with extras. Garry reviews each option with you to ensure you choose the plan structure that provides the most value.

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Medicare does not cover everything. Services like long-term care, most dental work, hearing aids, and routine vision exams may not be included under Parts A or B. To fill these gaps, seniors often choose a Medicare Supplement Plan, a Medicare Advantage plan, or ancillary policies such as dental, vision, or cancer coverage. Garry offers guidance on which combination best protects your health and finances.

[/et_pb_accordion_item][et_pb_accordion_item title=”When can I change my Medicare plan?” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” open=”off”]

You can make changes during the Annual Enrollment Period (October 15–December 7), when you’re free to switch Medicare Advantage or Part D plans. Additional periods may apply if you experience a qualifying life event, such as moving or losing employer coverage. Garry provides yearly reviews to ensure your plan stays aligned with your medical needs and budget.

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Testimonials

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— Tatiana Gagelman

[/et_pb_slide][et_pb_slide heading=”Donec sollicitudin molestie malesuada. Vivamus suscipit tortor eget felis porttitor volutpat. Cras ultricies ligula sed magna dictum porta. Vivamus magna justo. Vivamus suscipit tortor eget.” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” sticky_transition=”on”]— Lizzie Rose[/et_pb_slide][et_pb_slide heading=”Curabitur arcu erat, accumsan id imperdiet et, porttitor at sem. Donec rutrum congue leo eget malesuada. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed porttitor lectus nibh. Cras ultricies ligula sed magna dictum porta.” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” sticky_transition=”on”]— Alice Krejčová[/et_pb_slide][/et_pb_slider][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ disabled_on=”on|on|on” admin_label=”FAQ” _builder_version=”4.27.4″ _module_preset=”default” background_color=”rgba(89,89,89,0.25)” disabled=”on” locked=”off” global_colors_info=”{%22gcid-0ce8a763-63f9-4b73-a0c5-972528f981a1%22:%91%93,%22gcid-4c4817dc-5fff-48ae-ad50-dfdb1eabb775%22:%91%93}”][et_pb_row column_structure=”1_3,2_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”90865f4d-2cce-42a7-b40e-d3fbad25605a” header_2_font=”||||||||” header_2_text_color=”#000000″ header_2_font_size=”48px” header_2_line_height=”1.2em” custom_margin=”||10px||false|false” header_2_font_size_tablet=”32px” header_2_font_size_phone=”20px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]

Frequently Asked Questions

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Address:

7 Professional Parkway, Suite 203, Hattiesburg, MS

Phone:

601-270-3024

Email:

garry@solutionsforseniors.net

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Solutions

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