When you first enroll in Medicare and during certain times of the year, you can choose how you get your Medicare coverage. There are 2 main ways to get your Medicare coverage—
(Part A and Part B) or a
. Some people need to get additional coverage, like Medicare prescription drug coverage or Medicare Supplement Insurance (Medigap). Use these steps to help you decide what coverage you want:
Step 1: Decide if you want Original Medicare or a Medicare Advantage Plan (like an HMO or PPO)
Step 2: Decide if you want prescription drug coverage (Part D)
Step 3: Decide if you want supplemental coverage
- In addition to Original Medicare or an MA Plan, you may be able to join other types of Medicare health plans.
- You may be able to save money or have other choices if you have limited income and resources. Get help paying costs.
- You may also have other coverage, like employer or union, military, or veterans' benefits. Learn about how Medicare works with other insurance. Find out how Medicare Part D (prescription drug coverage) works with other insurance.
You can get personalized health insurance counseling at no cost to you from your local State Health Insurance Assistance Program (SHIP).