- Original Medicare (Part A and Part B)
- Medicare Advantage Plan (Part C).
Some people get additional coverage, like Medicare prescription drug coverage (Part D) or Medicare Supplement Insurance (Medigap).
Step 1: Decide if you want Original Medicare or a Medicare Advantage Plan (Iike an HMO or PPO)
Original Medicare includes Part A (Hospital Insurance) and Part B (Medical Insurance) and is provided my Medicare.
You have your choice of doctors, hospitals, and other providers that accept Medicare.
Medicare Advantage, sometimes called "Part C" – includes both Part A (Hospital Insurance) and Part B (Medical Insurance). Private insurance companies approved by Medicare provide coverage. In most MA plans, you need to use plan doctors, hospitals, and other providers or you pay more or all of the costs. If you want prescription drug coverage, and it's offered by your MA plan, in most cases you must get it through your plan.
If you want prescription drug coverage, you must choose and join a Medicare Prescription Drug Plan. You usually pay a monthly premium. These plans are run by private companies approved by Medicare.
Have questions about Medicare? Ask me about your Medicare options by calling 888-357-1999 or by sending a message request below to Medicare Options Info, Inc. A licensed independent insurance agent appointed with multiple carriers will help you make an informed decision. Agent is not connected in any way with the federal or state government or Medicare.