| Original Medicare |
Medicare Advantage Plan
(like and HMO or PPO) |
| Part A (Hospital Insurance) and Part B (Medical Insurance) |
Part C – Includes BOTH Part A (Hospital Insurance) and Part B (Medical
Insurance) |
- Medicare provides this coverage.
- You have your choice of doctors, hospitals, and other providers that accept Medicare.
- Generally, you or your supplemental coverage pay deductibles and coinsurance.
- You usually pay a monthly premium for Part B.
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- Private insurance companies approved by Medicare provide this coverage.
- In most plans, you need to use plan doctors, hospitals, and other providers or
you pay more or all of the costs.
- You usually pay a monthly premium (in addition to your Part B premium) and a
copayment or coinsurance for covered services.
- Costs, extra coverage, and rules vary by plan.
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| Decide If You Want Prescription Drug Coverage (Part D) |
Decide If You Want Prescription Drug Coverage (Part D) |
- If you want this 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.
|
- If you want prescription drug coverage, and it's offered by your plan, in most
cases you must get it through your plan.
- In some types of plans that don't offer drug coverage, you can join a Medicare Prescription Drug Plan.
|
| Decide If You Want Supplemental Coverage |
Continue Below |
- You may want to get coverage that fills gaps in Original Medicare coverage. You
can choose to buy a Medicare Supplement Insurance (Medigap) policy from a
private company.
- Costs vary by policy and company.
- Employers/unions may offer similar coverage.
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Note: If you join a Medicare Advantage Plan, you can't use Medicare Supplement Insurance (
Medigap) to pay for out-of-pocket costs you have in a Medicare Advantage Plan. If you already have a Medicare Advantage Plan, you can't be sold a Medigap policy.
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