Medicare is complex, and understanding its actual coverage — and gaps — matters more without a spouse also navigating the system alongside you.
The basics
- Part A — hospital coverage
- Part B — outpatient and doctor visits
- Part C (Medicare Advantage) — private plans bundling A and B, often with extras
- Part D — prescription drug coverage
The key gap
Medicare covers very limited long-term custodial care — the ongoing daily assistance many solo agers eventually need most.
Your State Health Insurance Assistance Program (SHIP) offers free, unbiased Medicare counseling — a valuable resource without a family member helping you navigate options.
This article is general information, not financial or legal advice. Rules, costs, and program details vary and change over time — confirm current specifics with a licensed financial advisor or elder law attorney before making a decision.