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Medicare is the federal health insurance program for people age 65 and older and for some younger people with disabilities. It includes Part A (hospital coverage), Part B (doctor visits and medical services), and Part D (prescription drugs).
There are also private plans approved by Medicare, known as Medicare Advantage plans, that combine these coverages and may include additional benefits such as vision or dental care. The main difference lies in how services are administered and in out-of-pocket costs.
Private insurance plans outside of Medicare are not subject to the same rules and typically require higher premiums. When choosing a plan, it’s essential to consider your age, income, medical needs, and whether you qualify for subsidies or additional programs. Understanding these differences helps you make the right decisions and avoid overpaying.