Medicare Coverage Options
Original Medicare (Parts A and B) helps cover many healthcare services, but it does not pay for everything. Many people choose additional coverage to help manage out-of-pocket costs.
Your Options
Medicare Advantage (Part C)
Medicare Advantage plans are offered by private insurance companies approved by Medicare. These plans combine Part A and Part B coverage and may include additional benefits.
Costs Associated With Part A
- Deductible: A deductible must be met before Medicare Part A begins to cover eligible services.
- Premiums: Many individuals do not pay a premium for Part A if they or their spouse paid Medicare taxes for at least 10 years. Those who do not meet this requirement may be able to purchase Part A coverage.
- Copayments and Coinsurance: Cost-sharing may apply for extended hospital or skilled nursing facility stays.
- Inpatient hospital care: coinsurance applies after day 60 of a benefit period.
- Skilled nursing facility care: coinsurance applies after day 20 of a benefit period.
-Inpatient mental health care: coinsurance applies after day 60 of a benefit period.
Note: Medicare coverage is generally accepted nationwide, as most hospitals in the United States participate in the program.
Prescription Drug Coverage (Part D)
Stand-alone Part D plans can be added to Original Medicare to help with prescription drug costs. Many Medicare Advantage plans also include drug coverage.
Costs Associated With Part A
- Deductible: A deductible must be met before Medicare Part A begins to cover eligible services.
- Premiums: Many individuals do not pay a premium for Part A if they or their spouse paid Medicare taxes for at least 10 years. Those who do not meet this requirement may be able to purchase Part A coverage.
- Copayments and Coinsurance: Cost-sharing may apply for extended hospital or skilled nursing facility stays.
- Inpatient hospital care: coinsurance applies after day 60 of a benefit period.
- Skilled nursing facility care: coinsurance applies after day 20 of a benefit period.
-Inpatient mental health care: coinsurance applies after day 60 of a benefit period.
Note: Medicare coverage is generally accepted nationwide, as most hospitals in the United States participate in the program.
Medicare Supplement (Medigap)
Medigap policies are offered by private insurers to help cover certain costs not paid by Original Medicare, such as copayments, coinsurance, and deductibles.
Costs Associated With Part A
- Deductible: A deductible must be met before Medicare Part A begins to cover eligible services.
- Premiums: Many individuals do not pay a premium for Part A if they or their spouse paid Medicare taxes for at least 10 years. Those who do not meet this requirement may be able to purchase Part A coverage.
- Copayments and Coinsurance: Cost-sharing may apply for extended hospital or skilled nursing facility stays.
- Inpatient hospital care: coinsurance applies after day 60 of a benefit period.
- Skilled nursing facility care: coinsurance applies after day 20 of a benefit period.
-Inpatient mental health care: coinsurance applies after day 60 of a benefit period.
Note: Medicare coverage is generally accepted nationwide, as most hospitals in the United States participate in the program.
Comparing Your Choices
Medicare Advantage (Part C)
Must continue paying your Part B premium. You may also pay a plan premium.
Prescription Drug Coverage (Part D)
Usually requires a separate monthly premium.
Medigap
Requires payment of your Part B premium plus a Medigap plan premium.
Costs (premiums, copayments, deductibles, and coinsurance) vary by plan and carrier. Each year, plans may change their premiums and benefits.
How We Help?
Our licensed insurance agents provide clear information about the Medicare options we represent. We help you compare plans and understand your choices so you can make an informed decision.
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Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to the plans we represent. For information on all options, please visit Medicare.gov or call 1-800-MEDICARE.
Licensed Insurance Agency
NPN:
Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to the plans we represent. For information on all options, please visit Medicare.gov or call 1-800-MEDICARE.
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