Which is better Part C or Part D?

Asked by: Devon Murray Sr.  |  Last update: September 12, 2023
Score: 4.4/5 (58 votes)

Medicare Part C plans can cover both health care and prescription drugs. You can buy a Medicare Part D plan as an addition to Original Medicare. Medicare Part D plans cover only prescription drugs, not health care.

What is the difference in Medicare Part C and Part D?

Medicare Part C is an alternative to original Medicare. It must offer the same basic benefits as original Medicare, but some plans also offer additional benefits, such as vision and dental care. Medicare Part D, on the other hand, is a plan that people can enroll in to receive prescription drug coverage.

Why is Medicare Part C better?

Medicare Part C provides more coverage for everyday healthcare including prescription drug coverage with some plans when combined with Part D. A Medicare Advantage prescription drug (MAPD) plan is when a Part C and Part D plan are combined. Medicare Part D only covers prescription drugs.

Is Medicare Advantage Part C or Part D?

Medicare Advantage Plans, sometimes called “Part C” or “MA” Plans, are offered by Medicare-approved private companies that must follow rules set by Medicare. Most Medicare Advantage Plans include drug coverage (Part D).

What are the benefits of choosing a Part C plan?

Some benefits may provide coverage for:
  • Routine dental care (dental exams, X-rays, teeth cleanings)
  • Routine vision care (eye exams, eyeglasses and contacts)
  • Routine hearing care (hearing tests, hearing aids)
  • Fitness programs.
  • Gym memberships.
  • Transportation to doctor visits.
  • Over-the-counter drugs.

How Does Medicare Part C Work?

29 related questions found

What are common problems for Part C plans?

Five problems with Medicare Part C
  • Traditional Medicare is Easy. Consider the “regular Medicare” process: render service, send a bill, get paid. ...
  • Medicare Advantage is Complicated. ...
  • Unpaid Patient Balances. ...
  • Unclear Policies. ...
  • Unfair Patient Responsibility.

Why doesn t everyone get Medicare Part C?

In general, a person must meet two eligibility requirements to qualify for Medicare Part C: They must already have enrolled in Original Medicare (Medicare Parts A and B). They must live in an area where an insurance provider offers a Medicare Advantage (Part C) plan with the coverage that they require.

Why is Medicare Part D good?

Medicare Part D helps cover the cost of prescription drugs. Part D is optional and only provided through private insurance companies approved by the federal government. However, Part D is offered to everyone who qualifies for Medicare.

Why do I need Medicare Part C and D?

Part A provides inpatient/hospital coverage. Part B provides outpatient/medical coverage. Part C offers an alternate way to receive your Medicare benefits (see below for more information). Part D provides prescription drug coverage.

Who benefits from Medicare Part D?

Medicare Part D, the prescription drug benefit, is the part of Medicare that covers most outpatient prescription drugs. Part D is offered through private companies either as a stand-alone plan, for those enrolled in Original Medicare, or as a set of benefits included with your Medicare Advantage Plan.

Is Medicare Part C going away?

Medicare Part C is also called Medicare Advantage. This has not been discontinued. Medigap Plan C has been discontinued for new enrollees to Medicare. Medigap is another name for a Medicare Supplemental Insurance option to help pay gaps in Medicare parts A and B.

What is the best Medicare to apply for?

  • Best for size of network: UnitedHealthcare Medicare Advantage.
  • Best for extra perks: Aetna Medicare Advantage.
  • Best for member satisfaction: Kaiser Permanente Medicare Advantage.
  • Best for low-cost plan availability: Humana Medicare Advantage.
  • Best of the Blues: Highmark Medicare Advantage.

Is GoodRX better than Part D?

GoodRX is not a replacement for your Part D drug plan but it can be a useful tool to help save money on your medication costs. Although there is no guarantee you will save money there is simply no harm in trying since it is a free service!

Is Medicare Part D expensive?

The chart below provides general Medicare drug costs for 2023. Varies by plan. Average national premium is $32.74. People with high incomes have a higher Part D premium.

What happens if you don't take Part D Medicare?

Medicare calculates the penalty by multiplying 1% of the "national base beneficiary premium" ($32.74 in 2023) times the number of full, uncovered months you didn't have Part D or creditable coverage. The monthly premium is rounded to the nearest $.10 and added to your monthly Part D premium.

Can you just have Medicare Part D?

You must be enrolled in Medicare Part A and/or Part B to enroll in Part D. Medicare drug coverage is only available through private plans. If you have Medicare Part A and/or Part B and you do not have other drug coverage (creditable coverage), you should enroll in a Part D plan.

Is Medicare going up in 2023?

For 2023, the Part A deductible will be $1,600 per stay, an increase of $44 from 2022. For those people who have not worked long enough to qualify for premium-free Part A, the monthly premium will also rise. The full Part A premium will be $506 a month in 2023, a $7 increase.

How much does the average person pay for Medicare Part D?

Key Takeaways. If you have a Medicare Part D plan you may pay premiums, deductibles, copayments, or coinsurance for your prescription coverage. The average monthly premium for a Part D plan is projected to be $31.50 in 2023, though plans vary.

What percentage of people with Medicare have Part D?

62 percent were enrolled in Part A or Part B, and the rest (37 percent) were in Medicare Advantage (Part C). 74 percent were enrolled in Part D drug coverage, 13 percent had private drug coverage, and nearly 9 percent had no drug coverage.

What is the out of pocket maximum for Medicare Part D?

Medicare Part D plans don't have hard out-of-pocket maximums. However, in all Part D plans, you enter what's called the catastrophic coverage phase after you hit $7,400 in out-of-pocket costs for covered drugs.

What doesn't Medicare Part C cover?

Although insurers are allowed to cover more services than Original Medicare does, not all Part C plans pay for routine dental care, hearing aids, or routine vision care. If you are in need of inpatient care, Medicare Part C may not cover the cost of a private room, unless it's deemed medically necessary.

Is there an income limit for Medicare Part C?

If your income is above a specific limit, you pay higher monthly rates for both Medicare Part B and Medicare Part D. Medicare Part A and Part C rates are not based on income. In 2023, your costs for Medicare Parts B and D are based on income reported on your 2021 tax return.

What is Medicare Part C more commonly known as?

Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare.