Question 1

What is the difference between Medicare Part A and Part B?

Accepted Answer

Part A is hospital insurance — it covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Part B is medical insurance — it covers doctor visits, outpatient procedures, preventive services, durable medical equipment, and some home health care. Together, Parts A and B form 'Original Medicare.'

Question 2

Do I need all four parts of Medicare?

Accepted Answer

Most people need at least Parts A and B (Original Medicare). Part D (drug coverage) is optional but recommended — skipping it results in a permanent late enrollment penalty if you enroll later. Part C (Medicare Advantage) is an alternative to Original Medicare, not an addition. You choose either Original Medicare (A+B) with optional Medigap and Part D, OR Medicare Advantage (Part C) which bundles everything.

Question 3

Is Medicare Part A free?

Accepted Answer

Part A is premium-free for most people who worked and paid Medicare taxes for at least 10 years (40 quarters). If you did not work long enough, you can buy Part A for up to $518/month in 2026. Most people qualify for free Part A.

Question 4

When does Medicare Part B start?

Accepted Answer

Part B coverage begins based on when you enroll. If you enroll during the 3 months before your 65th birthday, coverage starts the month you turn 65. If you enroll during your birthday month or after, coverage is delayed by 1–3 months. Enrolling early is recommended to avoid a gap in coverage.

Medicare Parts A, B, C, and D Explained Simply (2026)

Medicare Parts A, B, C, D — FAQ