How Does Medicare Part A And B Work? 
Part A covers hospitalization . Part B covers most things out of the hospital , such as doctor visits and testing . Part A & B come from the government . Part B covers 80 % , so in order to cover the other 20 % , most people purchase a Medicare Supplement or Medicare Advantage Plan . Additionally , Part A & B do not cover drugs - so you 'll purchase drug coverage separately . So to summarize , A & B comes from the government - and you can work with a broker to get a Medicare Supplement and Drug Coverage . 