Medicare Basics

Medicare is a federal health insurance program that includes four different parts. Each Medicare part covers a different type of care. Original Medicare (Parts A and B) covers about 80% of the average person’s costs for covered medical expenses.

Original Medicare

Part A: Hospital Services

Helps pay the cost of care when you’re in a hospital or in a skilled nursing home following a hospital stay. It also helps cover hospice care and part-time home health care. You must be at least age 65, a U.S. citizen or permanent resident and you or your spouse must have paid into Social Security for at least 10 years. Part A is free for most, but you’ll have deductibles and coinsurance costs to cover.

Part B: Medical Services

Helps pay the cost of services from doctors and other skilled health care providers. It covers medically necessary services and supplies to diagnose or treat your condition. It also helps pay for durable medical equipment and some preventive services. Eligibility is the same as Part A above. Medicare charges a monthly premium for Part B, and you’ll have deductibles and coinsurance costs to cover.

Additional Coverage

Part C: Medicare Advantage plans

Combines all of the benefits and services of Parts A and B and usually Part D (prescription drugs) all in one plan. Medicare Advantage plans often include extra benefits for vision, hearing, dental and fitness programs. To enroll, you must have Original Medicare (Parts A and B) and live within the plan’s service area.

Part D: Stand-Alone Prescription Drug Plans

Helps cover some of your prescription drug costs. These plans are offered by private insurance companies who are contracted with Medicare. To enroll, you must have enrolled in Original Medicare and live within the plan’s service area.

Part F: Medicare Supplement Plans

Some people on Medicare choose a Medicare Supplement plan. These plans allow you to see any doctor, but they usually cost more and don’t include prescription drugs.

What's Better About Medicare Advantage plans?

You get MORE benefits. MORE savings. And built-in prescription drug coverage. But you have to select the right Medicare Advantage plan.

Experience Health is the only doctor-designed plan available in the Triangle, which means you get all-in-one coverage that includes more personalized care. Discover the difference — request your FREE information kit now.

Get Information Kit

Am I eligible for Medicare Advantage?

To be eligible for a Medicare Advantage Plan, you must meet these following criteria ...

Read On

Going on Medicare?
Go here now.

You’ll find downloadable new-to-Medicare resources that will help you plan and prepare.

Get Ready

External Link

You're about to leave the Experience Health website.


Contact Us

Members call 1-833-777-7394 (TTY:711)

Providers call 1-877-397-4584 (TTY: 711)

Agents visit

8 a.m. to 8 p.m., Monday through Friday
(8 a.m. to 8 p.m., 7 days a week from October 1 to March 31)