A quick look at your Medicare coverage choices

There are 2 main options for how you get your Medicare coverage.

Option 1 – Original Medicare + Medicare Supplement (Medigap)

• This includes Part A and Part B.
  • Part A – Hospital Insurance
  • Part B – Medical Insurance
  • You can Add: Part D – Medicare Prescription Drug Coverage
  • You can also Add: Medigap – Medicare Supplement Insurance.
  • (Medigap policies help pay your out-of-pocket costs in original Medicare.)
    • Affordable monthly premiums
    • No Network
    • Covers most Medicare related expenses with little out of pocket expense

Option 2 – Medicare Advantage (Part C)

• These plans are like HMOs or PPOs, and typically include Part A, B and D
  • Part A – Hospital Insurance
  • Part B – Medical Insurance
  • Part D – Medicare Prescription Drug Coverage
  • (Most plans cover prescription drugs. If yours doesn’t you may be able to join a separate Part D plan.)
    • Advantage plans generally have little to no monthly premium
    • PPO or HMO Networks
    • Copays for most services
    • Preset maximum out-of-pocket for in or out of network
  • There are additional benefits for those with Medicare & Medicaid