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Medicare Coverage

Now that you have become involved in assisting with your parent's care, you are trying to figure out how their health insurance works. Your parent has Medicare. In your mom's wallet you find her red, white, and blue card. You don't know how it works but you know it seems to cover her well.

Most of us who have used insurance are used to commercial health insurance through our employer. Medicare coverage has different parts. Part A covers inpatient care such as hospital stays, rehab facilities, and some home care services.

Part B covers outpatient care such as testing and physician office visits. Part D covers prescriptions. What about C? Part C is Medicare Advantage or Medicare Replacement plan. It provides the same services as Parts A, B, and D under an umbrella plan.