The Basics Of Medicare
If you’ve started looking into Medicare, you’ve probably realized there’s a lot to unpack. Part A, Part B, Advantage plans, drug coverage—it can feel like learning a new language. But it doesn’t have to be that way.
At The MacCalla Agency, we break it down in a way that’s easy to follow. Whether you’re just turning 65 or already enrolled and unsure about your current plan, this page will help you understand how Medicare works and where to begin.
The Four Main Parts Of Medicare
Part A - Hospital Insurance
Helps cover inpatient hospital care, skilled nursing facility stays, hospice, and limited home health services. Most people don’t pay a premium for Part A.
Part B - Medical Insurance
Covers outpatient care like doctor visits, preventive services, lab work, and medical equipment. There is a monthly premium for Part B.
Part C - Medicare Advantage
These are private plans that include everything from Parts A and B—and often add prescription drug coverage and extras like dental, vision, or hearing.
Part D - Prescription Drug Coverage
Helps pay for medications. Plans are offered by private insurers and can be standalone or included with a Medicare Advantage plan.
Why It Matters
Medicare is an essential benefit, but it's not one-size-fits-all. There are coverage gaps, timelines to follow, and important decisions to make. Having the right setup from the start can help you avoid penalties, reduce out-of-pocket costs, and get the care you need without stress. We’re here to help you figure out which path fits you best, and to walk with you every step of the way
Want To Know What's Covered And What Isn't?
Let’s take a closer look at Original Medicare and what it means for your care.
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© 2026 The MacCalla Agency. All rights reserved. As a national Medicare brokerage, we work with multiple carriers to provide comprehensive plan options. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.