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How Medicare Works

Learning about Medicare can be a daunting task. But it doesn’t have to be. HAP is here, helping you understand the basics of Medicare (Parts A, B, C, and D), the three main types of Medicare (Original, Medicare Advantage, and Supplemental), and the enrollment timeline all the way from signing to switching when a plan doesn’t meet your needs.

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Part A

Medicare Part A helps cover inpatient care in hospitals, care in skilled nursing facilities, hospice care, and some home health care. It’s available at no cost for most people.

Part B

Medicare Part B helps pay for doctors (both in and out of the hospital), durable medical equipment and some medical services that are not covered by Part A. If you receive Social Security benefits, the Part B premium is usually deducted from your monthly check.

Part C

Part C, which includes Parts A and B plus additional benefits, is also known as Medicare Advantage. Many Medicare Advantage plans feature prescription drug coverage (including many HAP plans).

Part D

Medicare Part D helps pay for prescription drug coverage.

How much does Medicare cost?

Depending on the Medicare choices you make, your premium may be as little as $0 or as much as hundreds of dollars per month. With Medicare coverage, some health care services are covered in full while others have out-of-pocket costs.

Next: The three types of Medicare plans

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Age

64

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Learn how Medicare works and research your options.
Last updated 10/1/2021

* You must continue to pay your Medicare Part B premium. If you have a late enrollment penalty, it will still apply.

HAP Senior Plus (HMO-POS), HAP Medicare MedicalAccess (HMO), HAP Senior Plus Henry Ford Tiered Access (HMO), HAP Medicare Connect (HMO), HAP Medicare Superior (HMO), Henry Ford Select (HMO), HAP Senior Plus (PPO), HAP Medicare Explore (PPO), HAP Medicare Prime (PPO), HAP Member Assist (PPO), HAP Medicare Diabetes and Heart (HMO C-SNP), and HAP CareSource™ MI Coordinated Health (HMO D-SNP) has a contract with Medicare. Enrollment depends on contract renewal.