What Does Medicare Cover?

Between Parts A, B, C, and D, it can feel like a full-time job just understanding your options. The good news is you don’t have to figure it out alone. Whether you’re in Deerfield Beach near West Boca Medical Center, or up in Sebastian by the Indian River, we’re here to make it simple.

At Absolute Best Insurance, we’ve helped individuals and families across Florida for over 20 years. With local offices in Tamarac, Port St. Lucie, Vero Beach, and Greenacres to name just a few, we’ll help you compare your options, answer your questions, and find a plan that fits your life and your budget.

Overview of Medicare: The Basics You Should Know

Let’s start with an overview of Medicare. Original coverage is split into two parts:

• Part A covers hospital stays, skilled nursing facilities, and some home care.
• Part B covers outpatient care, doctor visits, lab work, and preventive services.

Anyone already receiving Social Security or Railroad Retirement Board (RRB) benefits are automatically enrolled when they turn 65. Everyone else needs to sign up themselves during the initial enrollment period which is 7 months surrounding your birthday month.

In neighborhoods like Central Beach or near Indian River Medical Center in Vero Beach, we’ve helped seniors compare hospital access and coverage options that affect where and how they receive care.

Beyond Original Medicare, many people explore Part C plans (also called Medicare Advantage), which combine Parts A and B and often include extras. You can also add prescription coverage through Part D.

What Each Part Covers

Here’s a quick breakdown of what each part is designed to handle:

• Part A: Covers inpatient care at hospitals such as Cleveland Clinic Indian River Hospital in Vero Beach or Broward Health Coral Springs. It also includes skilled nursing facilities and hospice services.
• Part B: Handles things like doctor visits, outpatient procedures, durable medical equipment, and screenings. If you live in Tamarac near University Hospital, this part covers your routine care and specialists.
• Part C (Advantage Plans): Offered by private insurers and often include dental, vision, hearing, and even gym memberships. Plans vary widely. For example, options near Port St. Lucie Medical Center may differ from what’s available in Micco.
• Part D: Focuses on prescription drug coverage. You choose a plan based on the medications you take and the pharmacies you use, such as Walgreens on U.S. 1 or CVS near Jog Road in Greenacres.

What’s Not Covered

A common question we hear is, what does Medicare cover not include?

Here are some services that are usually excluded:

• Long-term custodial care in assisted living
  

• Dental care, dentures, vision exams, and hearing aids
  

• Cosmetic procedures
  

• Acupuncture or concierge medicine

If you’re in Micco or neighborhoods like Lakewood Park, this may mean you need extra dental or vision coverage. We’ll help you find those gaps and show you options that fill them.

How to Fill the Gaps: Medigap and Additional Plans

For those choosing Original Medicare, a supplemental policy like Medigap can help pay for out-of-pocket costs like deductibles and copays.

Some plans offer broader provider access, while others are more budget-friendly but come with network limits. Our agents will review every plan detail with you, so you know exactly what you’re getting, and what you’re not.

Medigap plans are standardized but vary by cost and availability depending on your ZIP code. For clients in Port St. Lucie near Crosstown Parkway or in Melbourne’s West Eau Gallie area, we compare Medigap against Advantage options side by side.

Choosing the Right Coverage for Your Needs

Picking a plan isn’t just about price. It’s about doctors you want to keep, prescriptions you rely on, and hospitals close to home.

For example, someone living in The Falls at Sheridan in Tamarac may prioritize access to outpatient surgery centers nearby. A retiree in Grand Harbor in Vero Beach may care more about prescription plan compatibility and cardiology networks.

“Every client we meet has a different priority,” Stacy Murphy adds. “Our job is to listen and find the coverage that checks the boxes that matter to you.”

Your Local Medicare Experts: Absolute Best Insurance

Our agents live and work in the same communities you do. We’re not a call center. We’re real people helping real people; whether you’re near the shops off Glades Road in Deerfield Beach or minutes from Sebastian River Medical Center.

We serve:

• Tamarac – Convenient to Commercial Blvd and Pine Island Rd
• Deerfield Beach – Just west of I-95 and Hillsboro Blvd
• Greenacres – Near Jog Rd and Forest Hill Blvd
• Port St. Lucie – By St. Lucie Medical Center and Becker Rd
• Vero Beach – Close to Cleveland Clinic and Indian River Blvd
• Micco (Sebastian) – Not far from U.S. 1 and Micco Rd

Our team specializes in Medicare plans, ACA coverage, health insurance, dental, life insurance, and more.

FAQs About What Medicare Covers

Does Medicare cover dental or vision?

No. Most dental, vision, and hearing services are not included unless you have an Advantage plan that offers them.

Is prescription coverage automatic?

No. You must enroll in a Part D plan separately or choose an Advantage plan that includes it.

Can I have both a Medicare Advantage plan and Medigap?

No. You can only have one or the other.

Does Original Medicare cover everything?

No. It covers many major services, but not everything. That’s why many people choose to add supplemental or Advantage coverage.

Let us help you figure out your best option. Our licensed agents are available for in-person or virtual appointments, and we’ll help you make the right decision the first time.

Click here or give our team a call for a free, no-obligation quote.

Tamarac: (954) 642-2101
Deerfield Beach: (754) 778-8700
Greenacres & Vero Beach: (561) 420-0280
Port St. Lucie: (772) 828-2840
Sebastian (Micco): (772) 321-0813