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The ABCs of Medicare — Simply Explained

Medicare has four main parts. Here's what each one covers in plain English.

A
Part A

Hospital Insurance

Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health services. Most people get Part A premium-free.

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B
Part B

Medical Insurance

Covers doctor visits, outpatient care, preventive services, lab tests, and durable medical equipment. Requires a monthly premium.

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C
Part C

Medicare Advantage

A private plan that combines Parts A and B, often includes Part D, and may offer extras like dental, vision, and hearing benefits.

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D
Part D

Prescription Drug Coverage

Helps cover the cost of prescription medications. Available as a standalone plan or included in Medicare Advantage.

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Medicare Supplement vs. Medicare Advantage

What's the difference? Here's a clear side-by-side comparison to help you decide.

S

Medicare Supplement

(Also called Medigap)

  • Works alongside Original Medicare (Parts A & B)
  • Predictable, consistent out-of-pocket costs
  • Freedom to see ANY doctor who accepts Medicare — nationwide
  • No network restrictions or referral requirements
  • Covers most or all of Medicare's gaps and copays
  • Separate Part D plan needed for prescriptions
A

Medicare Advantage

(Also called Part C)

  • All-in-one plan replacing Original Medicare
  • Premiums typically $0–$60/month
  • May include dental, vision, hearing, and fitness benefits
  • Prescription drug coverage often included
  • Network-based — must use in-network providers
  • Copays and costs vary by plan and service

Not sure which is right for you? Let's talk — it's free.

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Carriers I Work With

Blue Cross of Idaho
Regence Blue Shield
Mutual of Omaha
Humana
St. Alphonsus
St. Luke's Health Plan
UnitedHealthcare
Mountain Health Co-op
Moda Health
Delta Dental of Idaho
VSP
Value Benefits of America
Aetna
PacificSource

Additional Coverage Options

Enhance your Medicare coverage with these supplemental plans.

Vision

Routine eye exams, prescription glasses, and contact lenses are not covered by Original Medicare.

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Dental

Routine cleanings, fillings, extractions, and dentures are typically not covered by Medicare.

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Accident Insurance

Provides cash benefits to help cover out-of-pocket costs resulting from unexpected accidents.

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Hospital Indemnity

Pays a fixed cash benefit for each day you are hospitalized, helping offset costs Medicare doesn't fully cover.

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Life Insurance

Protect the people you love most with affordable term, whole life, or final expense coverage.

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In Business Since 1994

Specializing in Medicare for Over 30 Years

As an independent agent, I work for you — not the insurance companies. My job is to find the plan that best fits your health needs and budget.

Independent & Unbiased

I represent multiple carriers so I can compare plans objectively and find what's truly best for you.

Local Idaho Expert

I know the Idaho market, local providers, and the plans available in your area.

Free Consultations

My services are completely free to you. I'm compensated by the insurance carriers, never by you.

Steve Marsh, Licensed Medicare Specialist

"I've been helping Idaho families navigate Medicare since 1994. My goal is simple: make sure you have the right coverage at the right price."

— Steve Marsh

Licensed Medicare Specialist

Ready to Get Your Medicare Questions Answered?

Schedule a free, no-obligation consultation at your convenience. I'll walk you through all your options and help you make a confident decision.

Or call us directly: 208-433-8312