Your Medicare coverage choices

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)

Here are some things to know:

What's Original Medicare?

Part A (Hospital Insurance) and Part B (Medical Insurance).

Who provides coverage?


How do you choose your providers?

You have your choice of doctors, hospitals, and other providers that accept Medicare.

How much does it cost

Learn more about how Original Medicare works.

Here are some things to know:

What's Medicare Advantage?

Sometimes called "Part C" – includes both Part A (Hospital Insurance) and Part B (Medical Insurance).

Who provides coverage?

Private insurance companies approved by Medicare.

How do you choose your providers?

You may need to use health care providers who participate in the plan’s 


How much does it cost?

  • In 2019, the standard Part B premium amount is $135.50 (or higher depending on your income).
  • You usually pay a monthly premium for your MA Plan (in addition to your monthly Part B premium).
  • You may pay a or for covered services. Many MA plans offer vision, hearing, and dental coverage. Costs, extra coverage, and rules vary by plan.
  • Plans have a yearly limit on your out-of-pocket costs. Once you reach a certain limit, you’ll pay nothing for covered services for the rest of the year.
  • Your may be lower in an MA plan. This option may be more cost effective for you.
  • Learn more about costs for MA plans.

Learn more about how MA plans work.

Find an MA plan.

Step 2: Decide if you want prescription drug coverage (Part D)

Step 3: Decide if you want supplemental coverage

You may want to get coverage to help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles. You can choose to buy a Medigap policy from a private company.


The same insurance company may offer Medigap policies and Medicare Prescription Drug Plans.

If you join a Medigap policy and a Medicare drug plan offered by the same company, you may need to make 2 separate premium payments for your coverage. Contact your insurance company for more details.

Learn more about Medigap policies.

Find a Medigap policy.

Other options