Medicare Insurance
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Medicare Insurance Information
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Coverage Choices
Decide How to Get Your Medicare
1. You can choose Original Medicare and if you want prescription drug coverage, you must also join a Medicare Prescription Drug Plan (Part D).
2. You can choose to join a Medicare Advantage Plan (like an HMO or PPO), and the plan may include Medicare prescription drug coverage. In most cases, you must take the drug coverage that comes with the Medicare Advantage Plan.
3. You may be able to join other types of Medicare health plans.
Follow These Steps to Help You Decide:
Decide if You Want Original Medicare or a Medicare Advantage Plan
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Original Medicare
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Medicare Advantage Plan
(like and HMO or PPO)
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Part A (Hospital Insurance) and Part B (Medical Insurance)
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Part C – Includes BOTH Part A (Hospital Insurance) and Part B (Medical Insurance)
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 Medicare provides this coverage.
You have your choice of doctors, hospitals, and other providers.
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)
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Decide If You Want Prescription Drug Coverage (Part D)
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If you want this coverage, you must choose and join a Medicare Prescription Drug Plan.
These plans are run by private companies approved by Medicare.
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If you want prescription drug coverage, and it's offered by your plan, in most cases you must get it through your plan.
If your plan doesn't offer drug coverage, you can choose and join a Medicare Prescription Drug Plan.
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Decide If You Want Supplemental Coverage
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Continue Below
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You may want to get coverage that fills gaps in Original Medicare coverage. You can choose to buy a Medigap (Medicare Supplement Insurance) 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 don't need a Medigap policy. If you already have a Medigap policy, you can't use it to pay for out-of-pocket costs you have under the Medicare Advantage Plan. If you already have a Medicare Advantage Plan, you can't be sold a Medigap policy.
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In addition to Original Medicare or a Medicare Advantage 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.
You may also have other coverage, like employer or union, military, or Veterans' benefits.
Medicare Website
Government website with information and answers to questions about choosing medicare advantage coverage: www.medicare.gov
Medicare & You
Official Medicare handbook for Medicare advantage plans will be sent to all eligible Medicare beneficiaries. If you don't receive a copy you can request one by calling: 1-800-MEDICARE (1-800-633-4227) TTY 1-877-486-2048.
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