Medicare, Supplements & Medicare Advanatge
You have options when it comes to your Medicare. We’ll help you understand the difference between the plans and options to help you make the right choice for YOU.
Medicare Supplements and Medicare Advantage plans are not the same things, we will show you how to choose the plan that fits your needs.
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Coverages & Services
Medicare Part A
Medicare Part A covers your hospital expenses. This includes hospital stays, skilled nursing care, hospice, and home health-care services. You may have to pay various deductibles, coinsurance, and copayments. You earn Part A by paying taxes toward Medicare while working for 10 years (or 40 quarters). If you did not earn Part A, you will pay a premium.
Medicare Part B
Medicare Part B covers services that treat illnesses or conditions such as doctor’s office visits, lab work, x-rays, and outpatient surgeries, cancer screenings and flu shots along with medically necessary durable medical equipment such as wheelchairs and walkers to treat a disease or condition. Most people pay a premium for Part B. Even if you are enrolled in a Medicare Advantage plan that provides your Part A and Part B benefits, you will still pay your Part B premium.
Medicare Part D
Original Medicare doesn’t cover prescription drugs. Although Medicare Part D coverage is optional, if you take medications it can be valuable. You will pay a late-enrollment penalty if you don’t sign up for Medicare Part D Coverage when you are first eligible. You can get Medicare Part D prescription drug coverage either through through a Medicare Advantage Plan that includes prescription drug coverage or an independent Prescription Drug Plan (PDP).
Medicare Advantage
Medicare Advantage plans sometimes referred to as “Part C” are another way to get your Medicare Part A and Part B coverages, and often include your prescription drug coverage as well.
These plans are provided through companies that are approved and follow the rules set by Medicare. These plans include:
- Health Maintenance Organization (HMO)
- Preferred Provider Organizations (PPO)
- Private Fee-for-Service Plans (PFFS)
- Special Needs Plans (SNP)
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.